Black Hawk County property record for 425 Cedar St, Waterloo, IA 50701
| Property Type | Bank, Financial Building |
|---|---|
| Details | 38,940 sqft · built 1973 |
| Lot Size | 1.3 acres (56,976 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $54,062 (2025) |
| Flood Zone | Zone X (reduced by levee) |
| APN | 8913-26-229-007 |
| Primary APN | 8913-26-229-007 |
|---|---|
| Alternative APN |
|
| Units | 10 Units |
|---|---|
| Stories | 3 Stories |
| Building Area | 38,940 sqft Gross Area |
| 1st Floor Area | 17,830 sqft |
| Basement Area | 4,521 sqft |
| Unfinished Basement | 4,521 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fire Sprinklers | Fire Sprinklers |
| Elevator | Elevator |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Exterior Material | Glass |
| Roof Material | Urethane Foam |
| Lot Area | 56,976 sqft (1.3 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 425 CEDAR ST |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50701-1305 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Bank, Financial Building |
| Legal Description | ORIGINAL PLAT WATERLOO WEST NELY 100 FT LOTS 1,2,3,4,AND 5 BLK 1 NELY 100 FT LOTS 1 AND 2 BLK 2 NELY 100 FT SELY 50 FT LOT 3 |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 26 |
| Legal Subdivision | ORIGINAL PLAT WATERLOO WEST |
| Legal Block | 1,2 |
| Legal Lot Number | 1-4 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 2 |
| Census Block | 2054 |
| Census Tract | 100 |
Source: Black Hawk County records, as of September 1, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | PO BOX 88, WATERLOO, IA 50704-0088 |
| Owner Type | Company |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
Source: Black Hawk County assessment roll, as of October 17, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $54,062.00 (-59.6%) | $1,386,590 (-62.43%) Land $288,500 Building $1,098,090 | $1,386,590 (-62.43%) Land $288,500 Building $1,098,090 |
| 2024 | $133,810.00 (+47.96%) | ||
| 2023 | $3,690,730 (+44.21%) Land $288,500 Building $3,402,230 | $3,690,730 (+44.21%) Land $288,500 Building $3,402,230 | |
| 2022 | $90,436.00 | $2,559,320 Land $173,100 Building $2,386,220 | |
| 2021 | $2,559,320 Land $173,100 Building $2,386,220 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 reduced by levee · depends on levee performance |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 2 (1978–1991) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | May 1991 · 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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 186 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 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: GigFire, Nextlink.
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