404 Hillcrest Rd, Waterloo, IA 50701 Property Records

Black Hawk County property record for 404 Hillcrest Rd, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,232 sqft · built 1966
Lot Size	0.211 acres (9,187 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,092 (2025)
Deeds & Mortgages	Oct 2023 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`8813-04-251-008`

Property Details

APN / Parcel Number

Primary APN	`8813-04-251-008`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,232 sqft Living Area
1st Floor Area	1,232 sqft
Basement Area	1,232 sqft
Unfinished Basement	1,232 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	9,187 sqft (0.211 acres)
Lot Dimensions	75 ft deep x 116 ft wide
Garage Type	Mixed
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	404 HILLCREST RD
City	WATERLOO
State	IA
Zip	50701-5016
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUTHGATE LOT 21
Legal Range	13W
Legal Township	88N
Legal Section	04
Legal Subdivision	SOUTHGATE
Legal Lot Number	21
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1017
Census Tract	1302

Owner

Source: Black Hawk County records, as of September 1, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	404 HILLCREST RD, WATERLOO, IA 50701-5016
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

October 2023: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 30, 2023
Property Address	404 HILLCREST RD, WATERLOO, IA 50701-5016
Document Number	202400005742
Instrument Date	Oct 25, 2023
Instrument	202400005742
Transaction Type	Foreclosure
Record Updated	Dec 26, 2023
Title Company	TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$367.20
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	404 HILLCREST RD, WATERLOO, IA 50701-5016

Mortgage

Document Number	202400005743
Date	Oct 30, 2023
Instrument	202400005743

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.5%
Type Change Date	Nov 1, 2030
Change Frequency	Annually
Min Rate At Change	5.5%
Max Rate At Change	9.5%
Index	1-Year T-Bill
Max Rate	13.5%

Tax Assessment & Valuation

Source: Black Hawk County assessment roll, as of October 17, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Black Hawk County
Municipality	Waterloo City
Unified School District	Waterloo Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,092.00 (+7.57%) Homeowner's exemption	$211,420 (+14.51%) Land $28,110 Building $183,310	$211,420 (+14.51%) Land $28,110 Building $183,310
2024	$3,804.00 (+21.15%)
2023		$184,630 (+21.59%) Land $28,110 Building $156,520	$184,630 (+21.59%) Land $28,110 Building $156,520
2022	$3,140.00 Homeowner's exemption	$151,850 Land $28,110 Building $123,740
2021			$151,850 Land $28,110 Building $123,740

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 27, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 332 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 · Fiber in parts of the area	1,000 / 50
GigFire Fixed Wireless	150 / 130

May also be available: T-Mobile, Verizon.

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