Black Hawk County property record for 407 Locust St, Waterloo, IA 50701
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,272 sqft · built 1900 |
| Lot Size | 0.161 acres (7,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $77,500 (Aug 2026) |
| Tax Bill | $1,098 (2025) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 8913-26-328-019 |
| Primary APN | 8913-26-328-019 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,272 sqft Living Area |
| 1st Floor Area | 576 sqft |
| Basement Area | 696 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | A-Frame |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 7,000 sqft (0.161 acres) |
| Lot Dimensions | 140 ft deep x 50 ft wide |
| Porch | Slab |
| Porch Area | 231 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 407 LOCUST ST |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50701-2631 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LEAVITTS ADDITION NW 50 FT LOT 22 BLK 4 |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 26 |
| Legal Subdivision | LEAVITTS ADDITION |
| Legal Block | 4 |
| Legal Lot Number | 22 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 300 |
407 Locust St is owned and occupied by an individual who bought it in August 2026.
Source: Black Hawk County records, as of September 11, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 407 LOCUST ST, WATERLOO, IA 50701-2631 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 31, 2026 · Amount on File |
| Deed Sale | Aug 31, 2026 · Amount on File |
| Prior Sale | Jan 5, 2010 · Amount on File |
| Deed Document Number | 202613143 |
| Prior Transfer Date | Dec 22, 2009 |
| Prior Transfer Doc | 2010013023 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Aug 31, 2026 |
| Property Address | 407 LOCUST ST, WATERLOO, IA 50701-2631 |
| Document Number | 0000013143 |
| Instrument Date | Aug 28, 2026 |
| Instrument | 202613143 |
| Transaction Type | Transfer |
| Record Updated | Sep 9, 2026 |
| Title Company | TITLE SERVICES CORPORATION |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $12,443.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 407 LOCUST ST, WATERLOO, IA 50701-2631 |
| Document Number | 0000013144, |
|---|---|
| Date | Aug 31, 2026 |
| Instrument | 202613144 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Max Rate | -1% |
|---|
The 2025 property tax bill for 407 Locust St was $1,098, up 7.9% 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 | $1,098.00 (+7.86%) | $53,760 Land $7,500 Building $46,260 | $53,760 Land $7,500 Building $46,260 |
| 2024 | $1,018.00 | ||
| 2023 | $46,900 (+31.12%) Land $7,500 Building $39,400 | $46,900 Land $7,500 Building $39,400 | |
| 2022 | $786.00 | $35,770 Land $7,500 Building $28,270 | |
| 2021 | $35,770 Land $7,500 Building $28,270 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 407 Locust St in Zone X, an area of minimal flood risk.
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.
The area around 407 Locust St 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.
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 734 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 |
May also be available: GigFire, Nextlink, T-Mobile, Verizon.
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