423 Archer Ave, Waterloo, IA 50703 Property Records

Black Hawk County property record for 423 Archer Ave, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,037 sqft · built 1931
Lot Size	0.163 acres (7,100 sqft)
Owner	Individual Name on File
Last Sale	$82,000 (Jun 2026)
Tax Bill	$1,356 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jun 2026 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`8912-30-152-008`

Property Details

APN / Parcel Number

Primary APN	`8912-30-152-008`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,037 sqft Living Area
1st Floor Area	768 sqft
Attic	Attic
Attic Area	269 sqft
Basement Area	768 sqft
Finished Basement	600 sqft
Unfinished Basement	768 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1931
Effective Year Built	Effective 1931
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,100 sqft (0.163 acres)
Lot Dimensions	142 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	780 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	112 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	423 ARCHER AVE
City	WATERLOO
State	IA
Zip	50703-5103
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LINDEN PLACE LOT 8 BLK 5
Legal Range	12W
Legal Township	89N
Legal Section	30
Legal Subdivision	LINDEN PLACE
Legal Block	5
Legal Lot Number	8
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1012
Census Tract	800

Owner

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	423 ARCHER AVE, WATERLOO, IA 50703-5103
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2026	Deed of Trust, Mortgage · Conventional Mortgage CITY OF WACO
Jun 17, 2026	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CREDIT UNION
Jun 17, 2026	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CREDIT UNION
Aug 24, 2022	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU
Aug 24, 2022	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU
Aug 24, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 17, 2026 · Amount on File
Deed Sale	Jun 17, 2026 · Amount on File
Prior Sale	Aug 24, 2023 · Amount on File
Deed Document Number	20269057
Prior Transfer Date	Aug 12, 2022
Prior Transfer Doc	0000003289
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Recording Date	Jul 1, 2026
Property Address	423 ARCHER AVE, WATERLOO, IA 50703-5103
Document Number	0000009792
Instrument Date	Jun 15, 2026
Instrument	20269792
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	423 ARCHER AVE, WATERLOO, IA 50703-5103

Mortgage

Document Number	0000009792,
Date	Jul 1, 2026
Instrument	20269792

Lender

Name	CITY OF WACO

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jun 14, 2036

Interest

Rate Type	Fixed Rate
Rate	10%
Initial Type	Fixed Rate
Max Rate	-1%

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 17, 2026
Property Address	423 ARCHER AVE, WATERLOO, IA 50703-5103
Document Number	0000009057
Instrument Date	Jun 15, 2026
Instrument	20269057
Transaction Type	Transfer
Record Updated	Jun 23, 2026
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$13,170.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	423 ARCHER AVE, WATERLOO, IA 50703-5103

Mortgage

Document Number	0000009058,
Date	Jun 17, 2026
Instrument	20269058

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 17, 2026
Property Address	423 ARCHER AVE, WATERLOO, IA 50703-5103
Document Number	0202609057
Instrument Date	Jun 15, 2026
Instrument	20269057
Transaction Type	Transfer
Record Updated	Aug 26, 2026
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$13,170.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	423 ARCHER AVE, WATERLOO, IA 50703-5103

Mortgage

Document Number	0000009058,
Date	Jun 17, 2026
Instrument	20269058

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Aug 24, 2022
Property Address	423 ARCHER AVE, WATERLOO, IA 50703-5103
Document Number	202300003290
Instrument Date	Aug 15, 2022
Instrument	202300003290
Transaction Type	Transfer
Record Updated	Sep 6, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$116.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	423 ARCHER AVE, WATERLOO, IA 50703-5103

Mortgage

Document Number	202300003291
Date	Aug 24, 2022
Instrument	202300003291

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 5, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Sep 5, 2032
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	7.5%
Index	1-Year CMT
Max Rate	11.5%

Mortgage

Document Number	202300003292
Date	Aug 24, 2022
Instrument	202300003292

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Sep 5, 2032

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Aug 24, 2022
Property Address	423 ARCHER AVE, WATERLOO, IA 50703-5103
Document Number	202300003290
Instrument Date	Aug 15, 2022
Instrument	202300003290
Transaction Type	Transfer
Record Updated	Jun 25, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$116.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	423 ARCHER AVE, WATERLOO, IA 50703-5103

Mortgage

Document Number	202300003291
Date	Aug 24, 2022
Instrument	202300003291

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 5, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Sep 5, 2032
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	7.5%
Index	1-Year CMT
Max Rate	11.5%

Mortgage

Document Number	202300003292
Date	Aug 24, 2022
Instrument	202300003292

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Sep 5, 2032

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BLACK HAWK IA
Recording Date	Aug 24, 2022
Property Address	423 ARCHER AVE, WATERLOO, IA 50703-5103
Document Number	202300003289
Instrument Date	Aug 12, 2022
Instrument	202300003289
Transaction Type	Transfer
Record Updated	Jun 25, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

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	$1,356.00 (+8.31%) Homeowner's exemption	$77,290 (+13.71%) Land $8,000 Building $69,290	$77,290 (+13.71%) Land $8,000 Building $69,290
2024	$1,252.00 (+29.07%)
2023		$67,970 (+20.39%) Land $8,000 Building $59,970	$67,970 (+20.39%) Land $8,000 Building $59,970
2022	$970.00 Homeowner's exemption	$56,460 Land $8,000 Building $48,460
2021			$56,460 Land $8,000 Building $48,460

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	6 (1979–2018)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Sep 2018 · rainfall accumulation
Claims by Event	Severe Storms & Flooding, Aug 1993 · 2 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 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 571 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
Verizon Fixed Wireless	300 / 20

May also be available: GigFire, Nextlink, Waterloo Fiber.

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