Black Hawk County property record for 435 Maxwell St, Waterloo, IA 50701
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,384 sqft · built 1954 |
| Lot Size | 0.281 acres (12,240 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $195,000 (Aug 2025) |
| Tax Bill | $4,216 (2025) |
| Deeds & Mortgages | Aug 2025 Sale & Mortgage May 2021 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 8913-21-283-025 |
| Primary APN | 8913-21-283-025 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,384 sqft Living Area |
| 1st Floor Area | 1,384 sqft |
| Basement Area | 1,384 sqft |
| Unfinished Basement | 1,384 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Flat |
| Roof Material | Tar & Gravel |
| Lot Area | 12,240 sqft (0.281 acres) |
| Lot Dimensions | 60 ft deep x 204 ft wide |
| Garage Type | Mixed |
| Garage Area | 928 sqft |
| Parking Spaces | 3 Parking Spaces |
| Deck Area | 128 sqft |
| Patio Area | 231 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 435 MAXWELL ST |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50701-1946 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CLYDE MILLER HGTS FIRST SUB LOT 7 BLK 2 |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 21 |
| Legal Subdivision | CLYDE MILLER HGTS FIRST SUB |
| Legal Block | 2 |
| Legal Lot Number | 7 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 3 |
| Census Block | 3035 |
| Census Tract | 1503 |
435 Maxwell St is owned and occupied by two individuals who bought it in August 2025.
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 435 MAXWELL ST, WATERLOO, IA 50701-1946 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Man |
| Date | Document |
|---|---|
| Aug 15, 2025 | Warranty Deed, Transfer · Conventional Mortgage FARMERS STATE BANK |
| May 3, 2021 | Deed of Trust, Mortgage · Line of Credit CEDAR FALLS COMMUNITY CU |
| Jul 15, 2020 | Warranty Deed, Transfer · Conventional Mortgage CEDAR FALLS COMMUNITY CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 15, 2025 · Amount on File |
| Deed Sale | Aug 15, 2025 · Amount on File |
| Prior Sale | Jul 15, 2020 · Amount on File |
| Deed Document Number | 202511861 |
| Prior Transfer Date | Dec 3, 2021 |
| Prior Transfer Doc | 0000011989 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Aug 15, 2025 |
| Property Address | 435 MAXWELL ST, WATERLOO, IA 50701-1946 |
| Document Number | 0202511861 |
| Instrument Date | Aug 13, 2025 |
| Instrument | 2025-11861 |
| Transaction Type | Transfer |
| Record Updated | Oct 17, 2025 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $311.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 435 MAXWELL ST, WATERLOO, IA 50701-1946 |
| Document Number | 0202511862 |
|---|---|
| Date | Aug 15, 2025 |
| Instrument | 2025-11862 |
| Name | FARMERS STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 435 MAXWELL ST, WATERLOO, IA 50701-1946 |
| Transaction Type | Mortgage |
| Record Updated | May 13, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202100023035 |
|---|---|
| Date | May 3, 2021 |
| Instrument | 202100023035 |
| Name | CEDAR FALLS COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | CEDAR FALLS, IA 50613 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | May 1, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Jul 15, 2020 |
| Property Address | 435 MAXWELL ST, WATERLOO, IA 50701-1946 |
| Document Number | 202100000991 |
| Instrument Date | Jul 11, 2020 |
| Instrument | 202100000991 |
| Transaction Type | Transfer |
| Record Updated | Feb 10, 2022 |
| Title Company | TITLE SERVICES CORPORATION |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $195.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 435 MAXWELL ST, WATERLOO, IA 50701-1946 |
| Document Number | 202100000992 |
|---|---|
| Date | Jul 15, 2020 |
| Instrument | 202100000992 |
| Name | CEDAR FALLS COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Aug 1, 2035 |
The 2025 property tax bill for 435 Maxwell St was $4,216 with a homeowner's exemption, up 13.9% from the year before.
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 | $4,216.00 (+13.95%) Homeowner's exemption | $206,590 Land $22,610 Building $183,980 | $206,590 Land $22,610 Building $183,980 |
| 2024 | $3,700.00 | ||
| 2023 | $180,820 (+31.32%) Land $22,610 Building $158,210 | $180,820 Land $22,610 Building $158,210 | |
| 2022 | $2,830.00 Homeowner's exemption | $137,690 Land $22,610 Building $115,080 | |
| 2021 | $137,690 Land $22,610 Building $115,080 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 435 Maxwell St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2013.
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 Claims | 1 (2013) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2013 · tidal / storm surge |
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.
The area around 435 Maxwell St has no burnable land within ember reach, so its wildfire risk is not rated.
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 273 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| Nextlink Fixed Wireless | 100 / 20 |
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