421 Reber Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 421 Reber Ave, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 882 sqft · built 1914
Lot Size	0.105 acres (4,560 sqft)
Owner	Company Name on File
Last Sale	$25,000 (Apr 2017)
Tax Bill	$1,586 (2025)
Deeds & Mortgages	Jan 2021 Line of Credit May 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8913-27-476-006`

Property Details

APN / Parcel Number

Primary APN	`8913-27-476-006`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	882 sqft Living Area
1st Floor Area	882 sqft
Basement Area	882 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1914
Effective Year Built	Effective 1914
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,560 sqft (0.105 acres)
Lot Dimensions	114 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	421 REBER AVE
City	WATERLOO
State	IA
Zip	50701-2824
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOME PARK ADDITION E 40 FT LOT 4 BLK 3
Legal Range	13W
Legal Township	89N
Legal Section	27
Legal Subdivision	HOME PARK ADDITION
Legal Block	3
Legal Lot Number	4
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2006
Census Tract	1400

Owner

421 Reber Ave is owned by a company that bought it in April 2017.

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

Owner of Record	Company Name on File
Mailing Address	120 FLETCHER AVE, WATERLOO, IA 50701-6104
Owner Type	Company
Vesting	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2021	Deed of Trust, Mortgage · Line of Credit FARMERS STATE BANK
May 8, 2018	Deed of Trust, Mortgage MIDWESTONE BANK
Apr 27, 2017	Warranty Deed, Transfer
Feb 16, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 27, 2017 · Amount on File
Deed Sale	Apr 27, 2017 · Amount on File
Deed Document Number	201718793
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	421 REBER AVE, WATERLOO, IA 50701-2824
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100014601
Date	Jan 12, 2021
Instrument	202100014601

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	WATERLOO, IA 50701

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 11, 2051

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	421 REBER AVE, WATERLOO, IA 50701-2824
Transaction Type	Mortgage
Record Updated	Jan 25, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800018188
Date	May 8, 2018
Instrument	201800018188

Lender

Name	MIDWESTONE BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	236 Months
Due	Jan 1, 2038

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 27, 2017
Property Address	421 REBER AVE, WATERLOO, IA 50701-2824
Document Number	201700018793
Instrument Date	Apr 27, 2017
Instrument	2017-00018793
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount on Record
Tax	$39.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 FLETCHER AVE, WATERLOO, IA 50701-6104

February 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BLACK HAWK IA
Recording Date	Feb 16, 2017
Property Address	421 REBER AVE, WATERLOO, IA 50701-2824
Document Number	201700014571
Instrument Date	Feb 15, 2017
Instrument	2017-00014571
Transaction Type	Transfer
Record Updated	Nov 17, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	310 OLIVE ST, CEDAR FALLS, IA 50613-2206

Tax Assessment & Valuation

The 2025 property tax bill for 421 Reber Ave was $1,586, up 5.9% from the year before.

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

Property Jurisdictions

Type	Name
State	Iowa
County	Black Hawk County
Municipality	Waterloo City
Unified School District	Waterloo Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,586.00 (+5.87%)	$77,750 Land $11,160 Building $66,590	$77,750 Land $11,160 Building $66,590
2024	$1,498.00
2023		$69,090 (+14.82%) Land $11,160 Building $57,930	$69,090 Land $11,160 Building $57,930
2022	$1,322.00	$60,170 Land $11,160 Building $49,010
2021			$60,170 Land $11,160 Building $49,010

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

Flood

FEMA maps place 421 Reber Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 27, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 421 Reber Ave 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 690 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 · Fiber in parts of the area	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink, Verizon.

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