Black Hawk County property record for 421 Fairfield St, Waterloo, IA 50703
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,425 sqft · built 1954 |
| Lot Size | 0.312 acres (13,600 sqft) |
| Owner | Individual Name on File |
| Last Sale | $95,000 (Apr 2013) |
| Tax Bill | $3,056 (2025) |
| Deeds & Mortgages | Sep 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 8913-15-127-010 |
| Primary APN | 8913-15-127-010 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,425 sqft Living Area |
| 1st Floor Area | 780 sqft |
| Attic | Attic |
| Attic Area | 273 sqft |
| Basement Area | 820 sqft |
| Finished Basement | 400 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Exterior Material | Aluminum Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,600 sqft (0.312 acres) |
| Lot Dimensions | 200 ft deep x 68 ft wide |
| Garage Type | Detached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Deck Area | 324 sqft |
| Patio Area | 612 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 421 FAIRFIELD ST |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50703-1629 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BRINKER THOMAS & MC CLELLAN ADDITION LOT 13 BLK 1 |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 15 |
| Legal Subdivision | BRINKER THOMAS & MC CLELLAN |
| Legal Block | 1 |
| Legal Lot Number | 13 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 1600 |
421 Fairfield St is owned and occupied by an individual who bought it in April 2013.
Source: Black Hawk County records, as of September 1, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 421 FAIRFIELD ST, WATERLOO, IA 50703-1629 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 16, 2013 · Amount on File |
| Deed Sale | Apr 16, 2013 · Amount on File |
| Deed Document Number | 201321428 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 421 FAIRFIELD ST, WATERLOO, IA 50703-1629 |
| Transaction Type | Mortgage |
| Record Updated | Sep 29, 2022 |
| Name | Verified Name |
|---|---|
| Address | 421 FAIRFIELD ST, WATERLOO, IA 50703-1629 |
| Document Number | 202300004364 |
|---|---|
| Date | Sep 13, 2022 |
| Instrument | 202300004364 |
| Name | CEDAR FALLS COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | CEDAR FALLS, IA 50613 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 59 Months |
| Due | Aug 28, 2027 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 421 Fairfield St was $3,056 with a homeowner's exemption, up 6.3% 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 | $3,056.00 (+6.26%) Homeowner's exemption | $160,670 Land $15,100 Building $145,570 | $160,670 Land $15,100 Building $145,570 |
| 2024 | $2,876.00 | ||
| 2023 | $142,820 (+26.1%) Land $15,100 Building $127,720 | $142,820 Land $15,100 Building $127,720 | |
| 2022 | $2,292.00 Homeowner's exemption | $113,260 Land $15,100 Building $98,160 | |
| 2021 | $113,260 Land $15,100 Building $98,160 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 421 Fairfield St in Zone X, an area of minimal flood risk, though there have been 2 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 |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 2 (1978–1980) |
| Most Recent Claim | Jun 1980 · rainfall accumulation |
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 421 Fairfield St 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 171 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Mediacom Xtream Cable · Fiber in parts of the area | 1,000 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: GigFire, Nextlink.
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