425 Cataract Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 425 Cataract Ave, Waterloo, IA 50702

Property Summary

Property Type	Duplex
Details	4 bd · 3.5 ba · 1,898 sqft · built 1967
Lot Size	0.424 acres (18,450 sqft)
Owner	Individual Name on File
Tax Bill	$4,590 (2025)
Deeds & Mortgages	Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8813-03-126-001`

Property Details

APN / Parcel Number

Primary APN	`8813-03-126-001`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Building Area	1,898 sqft Total Area
1st Floor Area	1,898 sqft
Basement Area	1,898 sqft
Finished Basement	200 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	Duplex Single
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,450 sqft (0.424 acres)
Lot Dimensions	205 ft deep x 50 ft wide
Garage Type	Mixed
Garage Area	792 sqft
Parking Spaces	3 Parking Spaces
Deck Area	Deck Area
Patio Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	425 CATARACT AVE
City	WATERLOO
State	IA
Zip	50702-5115
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	CRESTVIEW SECOND ADDITION LOT 181
Legal Range	13W
Legal Township	88N
Legal Section	03
Legal Subdivision	CRESTVIEW SECOND ADDITION
Legal Lot Number	181
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1007
Census Tract	1301

Owner

425 Cataract Ave, a duplex, is owned and occupied by an individual who acquired it in May 2006.

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

Owner of Record	Individual Name on File
Mailing Address	423 CATARACT AVE, WATERLOO, IA 50702-5115
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	May 4, 2006
Transfer Doc	2006027116
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	425 CATARACT AVE, WATERLOO, IA 50702-5115
Transaction Type	Mortgage
Record Updated	Feb 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100019814
Date	Mar 22, 2021
Instrument	202100019814

Lender

Name	MIDWESTONE BANK
Type	Bank
Address	STILLWATER, MN 55082

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 425 Cataract Ave was $4,590 with a homeowner's exemption, up 0.9% 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	$4,590.00 (+0.88%) Homeowner's exemption	$250,430 Land $29,790 Building $220,640	$250,430 Land $29,790 Building $220,640
2024	$4,550.00
2023		$233,700 (+41.06%) Land $29,790 Building $203,910	$233,700 Land $29,790 Building $203,910
2022	$3,444.00 Homeowner's exemption	$165,680 Land $29,790 Building $135,890
2021			$165,680 Land $29,790 Building $135,890

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

Flood

FEMA maps place 425 Cataract Ave in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1979.

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	1 in force
Nearby Flood Claims	6 (1979–1990)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Jun 1990 · river or lake flooding

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 425 Cataract Ave is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 91% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 399 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
GigFire Fixed Wireless	150 / 130

May also be available: AT&T, Nextlink, Verizon.

Nearby Properties on Cataract Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures