4234 Chico Dr, Waterloo, IA 50702 Property Records

Black Hawk County property record for 4234 Chico Dr, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 906 sqft · built 1974
Lot Size	0.758 acres (33,017 sqft)
Owner	Individual Name on File
Last Sale	$174,500 (Jan 2021)
Tax Bill	$3,476 (2025)
Deeds & Mortgages	Aug 2017 Mortgage Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8812-17-151-028`

Property Details

APN / Parcel Number

Primary APN	`8812-17-151-028`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	906 sqft Living Area
1st Floor Area	906 sqft
Basement Area	906 sqft
Finished Basement	650 sqft
Unfinished Basement	906 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Split Foyer
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	33,017 sqft (0.758 acres)
Lot Dimensions	235 ft deep x 41 ft wide
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Deck Area	111 sqft
Patio Area	316 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	4234 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 25
Legal Range	12W
Legal Township	88N
Legal Section	17
Legal Subdivision	FIRST ADDITION TO SUBURBAN
Legal Lot Number	25
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1010
Census Tract	2901

Owner

4234 Chico Dr is owned and occupied by an individual who bought it in January 2021.

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	4234 CHICO DR, WATERLOO, IA 50702-4903
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2017	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
Jan 15, 2021	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 15, 2021 · Amount on File
Deed Sale	Jan 15, 2021 · Amount on File
Prior Sale	Jun 12, 2013 · Amount on File
Deed Document Number	202114986
Record Updated	Oct 29, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	4234 CHICO DR, WATERLOO, IA 50702-4903
Transaction Type	Mortgage
Record Updated	Feb 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800003819
Date	Aug 30, 2017
Instrument	2018-00003819

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jan 15, 2021
Property Address	4234 CHICO DR, WATERLOO, IA 50702-4903
Document Number	202100014986
Instrument Date	Jan 12, 2021
Instrument	202100014986
Transaction Type	Transfer
Record Updated	Feb 10, 2022
Title Company	BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK CNTY ABSTRACT CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$278.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4234 CHICO DR, WATERLOO, IA 50702-4903

Mortgage

Document Number	202100014987
Date	Jan 15, 2021
Instrument	202100014987

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 4234 Chico Dr was $3,476 with a homeowner's exemption, up 1.6% 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	$3,476.00 (+1.64%) Homeowner's exemption	$181,230 Land $27,770 Building $153,460	$181,230 Land $27,770 Building $153,460
2024	$3,420.00
2023		$167,890 (+16.34%) Land $23,610 Building $144,280	$167,890 Land $23,610 Building $144,280
2022	$2,974.00 Homeowner's exemption	$144,310 Land $23,610 Building $120,700
2021			$144,310 Land $23,610 Building $120,700

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

Flood

FEMA maps place 4234 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 4234 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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