435 Cherry St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 435 Cherry St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 672 sqft · built 1907
Lot Size	0.114 acres (4,950 sqft)
Owner	Company Name on File
Tax Bill	$708 (2025)
Flood Zone	Zone X (minimal risk)
APN	`8913-24-458-013`

Property Details

APN / Parcel Number

Primary APN	`8913-24-458-013`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	672 sqft Living Area
1st Floor Area	672 sqft
Basement Area	672 sqft
Unfinished Basement	672 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1907
Effective Year Built	Effective 1907
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	4,950 sqft (0.114 acres)
Lot Dimensions	90 ft deep x 55 ft wide
Garage Type	Detached
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	435 CHERRY ST
City	WATERLOO
State	IA
Zip	50703-4070
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SMITHS SUBDIVISION S 5 FT E 90 FT LOT 7 E 90 FT LOT 8
Legal Range	13W
Legal Township	89N
Legal Section	24
Legal Subdivision	SMITHS SUBDIVISION
Legal Lot Number	7,8
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1003
Census Tract	700

Owner

Source: Black Hawk County records · APN 8913-24-458-013

Assessment roll updated October 17, 2025 · Last verified June 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 File
Mailing Address	525 SUMNER ST, WATERLOO, IA 50703-2805
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Sep 20, 2026

Tax Assessment & Valuation

Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified June 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$708.00	$45,280 (+38.85%) Land $5,250 Building $40,030	$45,280 (+38.85%) Land $5,250 Building $40,030
2024	$708.00 (+1.43%)
2023		$32,610 (+2.48%) Land $5,250 Building $27,360	$32,610 (+2.48%) Land $5,250 Building $27,360
2022	$698.00	$31,820 Land $5,250 Building $26,570
2021			$31,820 Land $5,250 Building $26,570

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Black Hawk County (19013C), as of September 27, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 190130007001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (1979–1980)
Most Recent Claim	Jun 1980 · rainfall accumulation

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Metronet Holdings Fiber	5,120 / 5,120
Mediacom Communications 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: AMG Technology Investment Group, LTD Broadband.

Based on FCC filings for 332 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system IA0790074, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	WATERLOO WATER WORKS serves 69,504 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.