4228 Chico Dr, Waterloo, IA 50702 Property Records

Black Hawk County property record for 4228 Chico Dr, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 948 sqft · built 1975
Lot Size	0.511 acres (22,270 sqft)
Owner	Individual Name on File
Last Sale	$120,500 (Apr 2025)
Tax Bill	$2,924 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Jul 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8812-17-151-029`

Property Details

APN / Parcel Number

Primary APN	`8812-17-151-029`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Building Area	948 sqft Living Area
1st Floor Area	948 sqft
Basement Area	948 sqft
Finished Basement	125 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Split Foyer
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	22,270 sqft (0.511 acres)
Lot Dimensions	170 ft deep x 75 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	160 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	4228 CHICO DR
City	WATERLOO
State	IA
Zip	50702-4903
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FIRST ADDITION TO SUBURBAN HEIGHTS LOT 26
Legal Range	12W
Legal Township	88N
Legal Section	17
Legal Subdivision	FIRST ADDITION TO SUBURBAN
Legal Lot Number	26
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1010
Census Tract	2901

Owner

4228 Chico Dr is owned and occupied by an individual who bought it in April 2025.

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

Owner of Record	Individual Name on File
Mailing Address	4228 CHICO DR, WATERLOO, IA 50702-4903
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2025	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Jul 11, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Apr 14, 2025	Sheriff's Deed, Foreclosure Foreclosure Auction

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 14, 2025 · Amount on File
Deed Sale	Apr 14, 2025 · Amount on File
Prior Sale	Nov 2, 2009 · Amount on File
Deed Document Number	20254907
Prior Transfer Date	May 26, 2010
Prior Transfer Doc	0000022582
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	4228 CHICO DR, WATERLOO, IA 50702-4903
Transaction Type	Mortgage
Record Updated	Nov 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4228 CHICO DR, WATERLOO, IA 50702-4903

Mortgage

Document Number	0202516058
Date	Oct 31, 2025
Instrument	2025-16058

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	PO BOX 6000, WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	121 Months
Due	Nov 15, 2035

Interest

Change Frequency	Monthly

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	4228 CHICO DR, WATERLOO, IA 50702-4903
Transaction Type	Mortgage
Record Updated	Oct 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4228 CHICO DR, WATERLOO, IA 50702-4903

Mortgage

Document Number	202300000466
Date	Jul 11, 2022
Instrument	202300000466

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	331 Months
Due	Feb 1, 2050

April 2025: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 14, 2025
Property Address	4228 CHICO DR, WATERLOO, IA 50702-4903
Document Number	0202504907
Instrument Date	Mar 20, 2024
Instrument	2025-04907
Transaction Type	Foreclosure
Record Updated	Oct 17, 2025

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5030 SWEET WATER CIR, WATERLOO, IA 50701-9397

Tax Assessment & Valuation

The 2025 property tax bill for 4228 Chico Dr was $2,924, down 9.5% 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	$2,924.00 (-9.47%)	$154,200 Land $26,790 Building $127,410	$154,200 Land $26,790 Building $127,410
2024	$3,230.00
2023		$148,870 Land $24,110 Building $124,760	$148,870 Land $24,110 Building $124,760
2022	$2,634.00

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

Flood

FEMA maps place 4228 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	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

Wildfire risk around 4228 Chico Dr is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 93% of the US · above 40% of Iowa
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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 70 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
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire.

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