4231 Chico Dr, Waterloo, IA 50702 Property Records

Black Hawk County property record for 4231 Chico Dr, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,056 sqft · built 1970
Lot Size	0.6 acres (26,122 sqft)
Owner	Individual Name on File
Last Sale	$15,558 (Aug 2023)
Tax Bill	$3,234 (2025)
Deeds & Mortgages	Dec 2022 Second Mortgage Aug 2022 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`8812-17-151-026`

Property Details

APN / Parcel Number

Primary APN	`8812-17-151-026`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,056 sqft Living Area
1st Floor Area	1,056 sqft
Basement Area	1,056 sqft
Finished Basement	575 sqft
Unfinished Basement	1,056 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	26,122 sqft (0.6 acres)
Lot Dimensions	165 ft deep x 44 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	224 sqft
Deck Area	144 sqft
Patio Area	612 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	4231 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 23
Legal Range	12W
Legal Township	88N
Legal Section	17
Legal Subdivision	FIRST ADDITION TO SUBURBAN
Legal Lot Number	23
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1010
Census Tract	2901

Owner

4231 Chico Dr is owned and occupied by an individual who bought it in August 2023.

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	4321 CHICO DR, WATERLOO, IA 50702
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 13, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage GREENSTATE CU
Aug 30, 2022	Sheriff's Deed, Foreclosure Foreclosure Auction

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 2023 · Amount on File
Deed Sale	Aug 30, 2023 · Amount on File
Prior Sale	Aug 30, 2022 · Amount on File
Deed Document Number	20233727
Prior Transfer Date	May 27, 2021
Prior Transfer Doc	2022000008
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	4231 CHICO DR, WATERLOO, IA 50702-4903
Transaction Type	Mortgage
Record Updated	Dec 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202300009013
Date	Dec 13, 2022
Instrument	202300009013

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 15, 2037

August 2022: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Aug 30, 2022
Property Address	4231 CHICO DR, WATERLOO, IA 50702-4903
Document Number	202300003727
Instrument Date	Jul 20, 2022
Instrument	202300003727
Transaction Type	Foreclosure
Record Updated	Sep 13, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 BLACK HAWK RD, WATERLOO, IA 50701-2427

Tax Assessment & Valuation

The 2025 property tax bill for 4231 Chico Dr was $3,234 with a homeowner's exemption, down 2.9% 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	$3,234.00 (-2.94%) Homeowner's exemption	$169,340 Land $26,660 Building $142,680	$169,340 Land $26,660 Building $142,680
2024	$3,332.00
2023		$163,790 (+14.3%) Land $23,990 Building $139,800	$163,790 Land $23,990 Building $139,800
2022	$3,299.00	$143,300 Land $23,990 Building $119,310
2021			$143,300 Land $23,990 Building $119,310

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

Flood

FEMA maps place 4231 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 4231 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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