Black Hawk County property record for 4146 Chico Dr, Waterloo, IA 50702
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 912 sqft · built 1967 |
| Lot Size | 0.504 acres (21,960 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $227,500 (Jan 2023) |
| Tax Bill | $3,606 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage Dec 2025 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 8812-17-151-032 |
| Primary APN | 8812-17-151-032 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Building Area | 912 sqft Living Area |
| 1st Floor Area | 912 sqft |
| Basement Area | 912 sqft |
| Finished Basement | 700 sqft |
| Unfinished Basement | 912 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1967 |
| Architectural Style | Split Foyer |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 21,960 sqft (0.504 acres) |
| Lot Dimensions | 180 ft deep x 122 ft wide |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 120 sqft |
| Patio Area | 120 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 4146 CHICO DR |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50702-4902 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FIRST ADDITION TO SUBURBAN HEIGHTS LOT 29 |
| Legal Range | 12W |
| Legal Township | 88N |
| Legal Section | 17 |
| Legal Subdivision | FIRST ADDITION TO SUBURBAN |
| Legal Lot Number | 29 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 2901 |
4146 Chico Dr is owned and occupied by two individuals who bought it in January 2023.
Source: Black Hawk County records, as of September 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1205 W 7TH ST, CEDAR FALLS, IA 50613-2438 |
| 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 |
|---|---|
| Sep 4, 2026 | Deed of Trust, Mortgage · VA Mortgage NEW CORPORATION LENDING LLC |
| Dec 11, 2025 | Deed of Trust, Mortgage · VA Mortgage NEW ERA LENDING LLC |
| Jan 3, 2023 | Warranty Deed, Transfer · VA Mortgage VERIDIAN CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 3, 2023 · Amount on File |
| Deed Sale | Jan 3, 2023 · Amount on File |
| Prior Sale | Jul 28, 2005 · Amount on File |
| Deed Document Number | 20239640 |
| Prior Transfer Date | Jul 27, 2005 |
| Prior Transfer Doc | 2006002542 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Sep 4, 2026 |
| Property Address | 4146 CHICO DR, WATERLOO, IA 50702-4902 |
| Document Number | 0000013496 |
| Instrument Date | Aug 31, 2026 |
| Instrument | 202613496 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 4146 CHICO DR, WATERLOO, IA 50702-4902 |
| Document Number | 0000013496, |
|---|---|
| Date | Sep 4, 2026 |
| Instrument | 202613496 |
| Name | NEW CORPORATION LENDING LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 4146 CHICO DR, WATERLOO, IA 50702-4902 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 4146 CHICO DR, WATERLOO, IA 50702-4902 |
| Document Number | 0202518195 |
|---|---|
| Date | Dec 11, 2025 |
| Instrument | 2025-18195 |
| Name | NEW ERA LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | 1500 S DAIRY ASHFORD RD STE 363, HOUSTON, TX 77077 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Jan 3, 2023 |
| Property Address | 4146 CHICO DR, WATERLOO, IA 50702-4902 |
| Document Number | 202300009640 |
| Instrument Date | Jan 3, 2023 |
| Instrument | 202300009640 |
| Transaction Type | Transfer |
| Record Updated | Feb 3, 2023 |
| Title Company | TITLE SERVICES CORPORATION |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $363.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1205 W 7TH ST, CEDAR FALLS, IA 50613-2438 |
| Document Number | 202300009641 |
|---|---|
| Date | Jan 3, 2023 |
| Instrument | 202300009641 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2053 |
The 2025 property tax bill for 4146 Chico Dr was $3,606 with a homeowner's exemption, up 0.4% 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 | $3,606.00 (+0.39%) Homeowner's exemption | $187,540 Land $28,160 Building $159,380 | $187,540 Land $28,160 Building $159,380 |
| 2024 | $3,592.00 | ||
| 2023 | $175,840 (+16.57%) Land $28,160 Building $147,680 | $175,840 Land $28,160 Building $147,680 | |
| 2022 | $3,118.00 Homeowner's exemption | $150,840 Land $28,160 Building $122,680 | |
| 2021 | $150,840 Land $28,160 Building $122,680 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4146 Chico Dr in Zone X, an area of minimal flood risk, though there have been 118 flood claims nearby since 1978.
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 |
| 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 4146 Chico Dr is low, with less than 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 99.1% of the US · lower than 91% of Iowa |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 61 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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