406 Hammond Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 406 Hammond Ave, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 867 sqft · built 1927
Lot Size	0.107 acres (4,640 sqft)
Owner	Individual Name on File
Last Sale	$78,000 (Nov 2023)
Tax Bill	$1,604 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-26-486-007`

Property Details

APN / Parcel Number

Primary APN	`8913-26-486-007`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	867 sqft Living Area
1st Floor Area	867 sqft
Basement Area	867 sqft
Unfinished Basement	867 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,640 sqft (0.107 acres)
Lot Dimensions	80 ft deep x 58 ft wide
Garage Type	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	96 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	406 HAMMOND AVE
City	WATERLOO
State	IA
Zip	50702-2322
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEAVITT JOHNSON AND MILLER ADD ALL LOT 6 BLK 21 EXC W 47.2 FT AND EXC N 1 1/4 FT
Legal Range	13W
Legal Township	89N
Legal Section	26
Legal Subdivision	LEAVITT JOHNSON AND MILLER ADD
Legal Block	21
Legal Lot Number	6
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2032
Census Tract	200

Owner

406 Hammond Ave is owned and occupied by an individual who bought it in November 2023.

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

Owner of Record	Individual Name on File
Mailing Address	406 HAMMOND AVE, WATERLOO, IA 50702-2322
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2022	Warranty Deed, Transfer · Conventional Mortgage FARMERS STATE BANK
Nov 17, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage FARMERS STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 3, 2023 · Amount on File
Deed Sale	Nov 3, 2023 · Amount on File
Prior Sale	Nov 17, 2022 · Amount on File
Deed Document Number	20237180
Prior Transfer Date	Nov 21, 2012
Prior Transfer Doc	2013010941
Record Updated	Oct 29, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 3, 2022
Property Address	406 HAMMOND AVE, WATERLOO, IA 50702-2322
Document Number	202300007180
Instrument Date	Nov 1, 2022
Instrument	202300007180
Transaction Type	Transfer
Record Updated	Nov 22, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$124.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 HAMMOND AVE, WATERLOO, IA 50702-2322

Mortgage

Document Number	202300007181
Date	Nov 3, 2022
Instrument	202300007181

Lender

Name	FARMERS STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

Mortgage

Document Number	202300007182
Date	Nov 3, 2022
Instrument	202300007182

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	WATERLOO, IA 50701

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 2, 2037

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 17, 2021
Property Address	406 HAMMOND AVE, WATERLOO, IA 50702-2322
Document Number	202200010629
Instrument Date	Nov 16, 2021
Instrument	202200010629
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$87.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 COURT AVE STE 824, 824, DES MOINES, IA 50309-2282

Mortgage

Document Number	202200010630
Date	Nov 17, 2021
Instrument	202200010630

Lender

Name	FARMERS STATE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 16, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 406 Hammond Ave was $1,604, down 2.8% from the year before.

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	$1,604.00 (-2.79%)	$78,600 Land $9,920 Building $68,680	$78,600 Land $9,920 Building $68,680
2024	$1,650.00
2023		$76,020 (+34.67%) Land $9,920 Building $66,100	$76,020 Land $9,920 Building $66,100
2022	$1,240.00	$56,450 Land $9,920 Building $46,530
2021			$56,450 Land $9,920 Building $46,530

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

Flood

FEMA maps place 406 Hammond Ave in Zone X, an area of minimal flood risk.

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

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

The area around 406 Hammond Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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 740 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
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink.

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