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421 Belle St, Waterloo, IA 50702 Property Records

Black Hawk County property record for 421 Belle St, Waterloo, IA 50702

Property Summary

Property TypeSingle Family Home
Details4 bd · 1.5 ba · 1,934 sqft · built 1962
Lot Size0.506 acres (22,037 sqft)
Owner2 Individual Names on Record
Last Sale$39,500 (Oct 2011)
Tax Bill$5,266 (2025)
Deeds & MortgagesAug 2021 Line of Credit
Dec 2018 Mortgage
Flood ZoneZone X (minimal risk)
APN8812-07-176-004

Property Details

APN / Parcel Number

Primary APN8812-07-176-004

Interior

Bedrooms4 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms6 Rooms
Stories1 Story
Building Area1,934 sqft Living Area
1st Floor Area1,198 sqft
Basement Area1,934 sqft
Finished Basement475 sqft
Game RoomGame Room
FlooringVinyl/Resilient
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1962
Effective Year BuiltEffective 1962
Exterior MaterialComposition/Composite
Construction TypeFrame
Roof TypeGable
Roof MaterialAsphalt
Lot Area22,037 sqft (0.506 acres)
Lot Dimensions205 ft deep x 120 ft wide
Garage TypeAttached
Garage Area728 sqft
Parking Spaces3 Parking Spaces
Shed1 Shed
Shed Area240 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC

Location & Zoning

Street Address421 BELLE ST
CityWATERLOO
StateIA
Zip50702-4608
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCEDAR TERRACE ADDITION LOT 4
Legal Range12W
Legal Township88N
Legal Section07
Legal SubdivisionCEDAR TERRACE ADDITION
Legal Lot Number4
JurisdictionBLACK HAWK IA
Township / Civil DivisionWATERLOO
Census Block Group1
Census Block1017
Census Tract2901

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address421 BELLE ST, WATERLOO, IA 50702-4608
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 19, 2021Deed of Trust, Mortgage · Line of Credit
DUPACO COMMUNITY CU
Dec 6, 2018Deed of Trust, Mortgage · Balloon Mortgage
DUPACO COMMUNITY CREDIT UNION

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 17, 2011 · Amount on Record
Deed SaleOct 17, 2011 · Amount on Record
Deed Document Number20112012006917
Record UpdatedOct 29, 2026

August 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBLACK HAWK IA
Property Address421 BELLE ST, WATERLOO, IA 50702-4608
Transaction TypeMortgage
Record UpdatedSep 1, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number202200003866
DateAug 19, 2021
Instrument202200003866
Lender
NameDUPACO COMMUNITY CU
TypeCredit Union
AddressDUBUQUE, IA 52002
Agreement
TypeLine of Credit
AmountAmount Recorded
Term300 Months
DueAug 18, 2046
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

December 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBLACK HAWK IA
Property Address421 BELLE ST, WATERLOO, IA 50702-4608
Transaction TypeMortgage
Record UpdatedJan 2, 2019

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number201900008844
DateDec 6, 2018
Instrument201900008844
Lender
NameDUPACO COMMUNITY CREDIT UNION
Agreement
TypeBalloon Mortgage
AmountAmount Recorded
Term301 Months
DueJan 1, 2044

Tax Assessment & Valuation

Source: Black Hawk County assessment roll, as of October 17, 2025

Property Jurisdictions

TypeName
StateIowa
CountyBlack Hawk County
MunicipalityWaterloo City
Unified School DistrictWaterloo Community School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,266.00 (-4.46%) Homeowner's exemption$283,560 (+1.99%) Land $40,280 Building $243,280$283,560 (+1.99%) Land $40,280 Building $243,280
2024$5,512.00 (+17.53%)
2023$278,030 (+25.01%) Land $38,270 Building $239,760$278,030 (+25.01%) Land $38,270 Building $239,760
2022$4,690.00 Homeowner's exemption$222,400 Land $38,270 Building $184,130
2021$222,400 Land $38,270 Building $184,130

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 27, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 49 policies
Nearby Flood Policies49 in force
Nearby Flood Claims118 (1978–2016)
Claims Outside the SFHA11 of 118
Most Recent ClaimSep 2016 · Severe Storms And Flooding
Claims by Event
  • Severe Storms And Flooding, Sep 2016 · 39 claims
  • Severe Storms, Flooding, And Tornadoes, Jul 2010 · 14 claims
  • Severe Storms, Tornadoes, And Flooding, Jun 2008 · 51 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 99.8% of the US · lower than 98.1% of Iowa
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond 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 SystemWATERLOO WATER WORKS
serves 69,504 people · EPA ID IA0790074
Water SourceGroundwater
Last State InspectionNov 2023
Lead2 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 220 locations within half a mile, as of December 31, 2025

ProviderMax 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

May also be available: T-Mobile.

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