Black Hawk County property record for 4170 North Ave, Waterloo, IA 50702
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 1,680 sqft · built 2006 |
| Lot Size | 0.434 acres (18,900 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $333,000 (Sep 2022) |
| Tax Bill | $7,088 (2025) |
| Deeds & Mortgages | May 2017 Line of Credit Sep 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 8812-17-301-011 |
| Primary APN | 8812-17-301-011 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 1 Story |
| Building Area | 1,680 sqft Living Area |
| 1st Floor Area | 1,680 sqft |
| Basement Area | 1,680 sqft |
| Finished Basement | 1,320 sqft |
| Unfinished Basement | 1,680 sqft |
| Game Room | Game Room |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 18,900 sqft (0.434 acres) |
| Lot Dimensions | 189 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 828 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 198 sqft |
| Deck Area | 473 sqft |
| Patio Area | 473 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 4170 NORTH AVE |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50702-4973 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PROSPECT ACRES N 189 FT W 100 FT LOT 6 BLK 1 |
| Legal Range | 12W |
| Legal Township | 88N |
| Legal Section | 17 |
| Legal Subdivision | PROSPECT ACRES |
| Legal Block | 1 |
| Legal Lot Number | 6 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1039 |
| Census Tract | 2901 |
4170 North Ave is owned and occupied by two individuals who bought it in September 2022.
Source: Black Hawk County records, as of September 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4170 NORTH AVE, WATERLOO, IA 50702-4973 |
| 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 |
|---|---|
| May 31, 2017 | Deed of Trust, Mortgage · Line of Credit DUPACO COMMUNITY CU |
| Sep 20, 2021 | Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU |
| Aug 15, 2017 | Warranty Deed, Transfer · Conventional Mortgage BANKIOWA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 20, 2022 · Amount on File |
| Deed Sale | Sep 20, 2022 · Amount on File |
| Prior Sale | Sep 20, 2021 · Amount on File |
| Deed Document Number | 20226172 |
| Prior Transfer Date | May 6, 2005 |
| Prior Transfer Doc | 2005026164 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 4170 NORTH AVE, WATERLOO, IA 50702-4973 |
| Transaction Type | Mortgage |
| Record Updated | Jul 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 201700020797 |
|---|---|
| Date | May 31, 2017 |
| Instrument | 2017-00020797 |
| Name | DUPACO COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | DUBUQUE, IA 52002 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Sep 20, 2021 |
| Property Address | 4170 NORTH AVE, WATERLOO, IA 50702-4973 |
| Document Number | 202200006172 |
| Instrument Date | Aug 19, 2021 |
| Instrument | 202200006172 |
| Transaction Type | Transfer |
| Record Updated | Jul 8, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $532.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4170 NORTH AVE, WASHBURN, IA 50702-4973 |
| Document Number | 202200006174 |
|---|---|
| Date | Sep 20, 2021 |
| Instrument | 202200006174 |
| Name | GREENSTATE CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 5, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.37% |
| Type Change Date | Sep 5, 2031 |
| Min Rate At Change | 5% |
| Max Rate At Change | 5.37% |
| Index | 1-Year CMT |
| Max Rate | 9.37% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Aug 15, 2017 |
| Property Address | 4170 NORTH AVE, WATERLOO, IA 50702-4973 |
| Document Number | 201800002790 |
| Instrument Date | Aug 14, 2017 |
| Instrument | 2018-00002790 |
| Transaction Type | Transfer |
| Record Updated | Jul 8, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount from Assessment |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4170 NORTH AVE, WATERLOO, IA 50702-4973 |
| Document Number | 201800002791 |
|---|---|
| Date | Aug 15, 2017 |
| Instrument | 2018-00002791 |
| Name | BANKIOWA |
|---|---|
| Type | Bank |
| Address | INDEPENDENCE, IA 50644 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2047 |
The 2025 property tax bill for 4170 North Ave was $7,088 with a homeowner's exemption, up 1.1% 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 | $7,088.00 (+1.14%) Homeowner's exemption | $358,200 Land $24,530 Building $333,670 | $358,200 Land $24,530 Building $333,670 |
| 2024 | $7,008.00 | ||
| 2023 | $333,310 (+17.4%) Land $24,530 Building $308,780 | $333,310 Land $24,530 Building $308,780 | |
| 2022 | $6,040.00 | $283,920 Land $24,530 Building $259,390 | |
| 2021 | $283,920 Land $24,530 Building $259,390 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4170 North Ave 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 4170 North Ave 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 99.8% of the US · lower than 98.1% 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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