Black Hawk County property record for 409 Ardmore St, Waterloo, IA 50701
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,080 sqft · built 1955 |
| Lot Size | 0.18 acres (7,820 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,588 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 8913-21-257-012 |
| Primary APN | 8913-21-257-012 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,080 sqft Living Area |
| 1st Floor Area | 1,080 sqft |
| Basement Area | 1,080 sqft |
| Finished Basement | 500 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Exterior Material | Aluminum Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,820 sqft (0.18 acres) |
| Lot Dimensions | 115 ft deep x 68 ft wide |
| Garage Type | Detached |
| Garage Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | Deck Area |
| Patio Area | 40 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 409 ARDMORE ST |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50701-1901 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HILLCREST FIRST ADDITION LOT 2 BLK 2 |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 21 |
| Legal Subdivision | HILLCREST FIRST ADDITION |
| Legal Block | 2 |
| Legal Lot Number | 2 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 3 |
| Census Block | 3026 |
| Census Tract | 1503 |
409 Ardmore St is owned and occupied by an individual.
Source: Black Hawk County records, as of September 1, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 409 ARDMORE ST, WATERLOO, IA 50701-1901 |
| 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 |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 409 Ardmore St was $2,588 with a homeowner's exemption, down 1.5% 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 | $2,588.00 (-1.48%) Homeowner's exemption | $152,270 Land $22,370 Building $129,900 | $152,270 Land $22,370 Building $129,900 |
| 2024 | $2,627.00 | ||
| 2023 | $137,940 (+17.74%) Land $22,370 Building $115,570 | $137,940 Land $22,370 Building $115,570 | |
| 2022 | $2,529.00 Homeowner's exemption | $117,160 Land $22,370 Building $94,790 | |
| 2021 | $117,160 Land $22,370 Building $94,790 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 409 Ardmore St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2013.
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 Claims | 1 (2013) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2013 · tidal / storm surge |
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.
The area around 409 Ardmore 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 342 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| CenturyLink DSL | 140 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: GigFire, Nextlink.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures