Black Hawk County property record for 403 Belle St, Waterloo, IA 50702
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,272 sqft · built 1961 |
| Lot Size | 0.471 acres (20,520 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $238,000 (Aug 2019) |
| Tax Bill | $4,244 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Aug 2019 Refinance + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 8812-07-176-001 |
| Primary APN | 8812-07-176-001 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 1,272 sqft Living Area |
| 1st Floor Area | 960 sqft |
| Basement Area | 1,272 sqft |
| Finished Basement | 900 sqft |
| Unfinished Basement | 1,272 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1961 |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 20,520 sqft (0.471 acres) |
| Lot Dimensions | 171 ft deep x 120 ft wide |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 384 sqft |
| Patio Area | 216 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 403 BELLE ST |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50702-4608 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CEDAR TERRACE ADDITION LOT 1 |
| Legal Range | 12W |
| Legal Township | 88N |
| Legal Section | 07 |
| Legal Subdivision | CEDAR TERRACE ADDITION |
| Legal Lot Number | 1 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 2901 |
403 Belle St is owned and occupied by two individuals who bought it in August 2019.
Source: Black Hawk County records, as of September 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 403 BELLE ST, WATERLOO, IA 50702-4608 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 5, 2025 | Deed of Trust, Mortgage BANKIOWA |
| Aug 19, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance BANK IOWA |
| Jul 14, 2017 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 19, 2019 · Amount on File |
| Deed Sale | Aug 19, 2019 · Amount on File |
| Prior Sale | Jul 14, 2017 · Amount on File |
| Deed Document Number | 2019202000003138 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 403 BELLE ST, WATERLOO, IA 50702-4608 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2025 |
| Name | Verified Name |
|---|---|
| Address | 403 BELLE ST, WATERLOO, IA 50702-4608 |
| Document Number | 0202516309 |
|---|---|
| Date | Nov 5, 2025 |
| Instrument | 2025-16309 |
| Name | BANKIOWA |
|---|---|
| Type | Bank |
| Address | 3222 KIMBALL AVE, WATERLOO, IA 50702 |
| Amount | Amount on Record |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 403 BELLE ST, WATERLOO, IA 50702-4608 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 202000003139 |
|---|---|
| Date | Aug 19, 2019 |
| Instrument | 202000003139 |
| Name | BANK IOWA |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Sep 1, 2034 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Jul 14, 2017 |
| Property Address | 403 BELLE ST, WATERLOO, IA 50702-4608 |
| Document Number | 201800000741 |
| Instrument Date | Jul 12, 2017 |
| Instrument | 2018-00000741 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $356.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 403 BELLE ST, WATERLOO, IA 50702-4608 |
| Document Number | 201800000742 |
|---|---|
| Date | Jul 14, 2017 |
| Instrument | 2018-00000742 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2047 |
The 2025 property tax bill for 403 Belle St was $4,244 with a homeowner's exemption, down 4% from the year before.
Source: Black Hawk County assessment roll, as of October 17, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,244.00 (-4.03%) Homeowner's exemption | $218,880 Land $41,340 Building $177,540 | $218,880 Land $41,340 Building $177,540 |
| 2024 | $4,422.00 | ||
| 2023 | $214,060 (+22.3%) Land $39,270 Building $174,790 | $214,060 Land $39,270 Building $174,790 | |
| 2022 | $3,650.00 Homeowner's exemption | $175,030 Land $39,270 Building $135,760 | |
| 2021 | $175,030 Land $39,270 Building $135,760 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 403 Belle St in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 27, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 49 policies |
| Nearby Flood Policies | 49 in force |
| Nearby Flood Claims | 118 (1978–2016) |
| Claims Outside the SFHA | 11 of 118 |
| Most Recent Claim | Sep 2016 · Severe Storms And Flooding |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 403 Belle St is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 76% of Iowa |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WATERLOO WATER WORKS serves 69,504 people · EPA ID IA0790074 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2023 |
| Lead | 2 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 30 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Waterloo Fiber Fiber | 10,000 / 10,000 |
| Metronet Fiber | 5,120 / 5,120 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
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