436 Valley Dr, Waterloo, IA 50701 Property Records

Black Hawk County property record for 436 Valley Dr, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,176 sqft · built 1962
Lot Size	0.196 acres (8,549 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,494 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Feb 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8913-21-180-005`

Property Details

APN / Parcel Number

Primary APN	`8913-21-180-005`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,176 sqft Living Area
1st Floor Area	924 sqft
Basement Area	1,176 sqft
Finished Basement	350 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	8,549 sqft (0.196 acres)
Lot Dimensions	103 ft deep x 83 ft wide
Garage Type	Attached
Garage Area	352 sqft
Parking Spaces	1 Parking Space
Deck Area	144 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	436 VALLEY DR
City	WATERLOO
State	IA
Zip	50701-1719
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPIER ADDITION LOT 4
Legal Range	13W
Legal Township	89N
Legal Section	21
Legal Subdivision	SPIER ADDITION
Legal Lot Number	4
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	3
Census Block	3022
Census Tract	1503

Owner

436 Valley Dr is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	436 VALLEY DR, WATERLOO, IA 50701-1719
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

Date	Document
Aug 31, 2023	Deed of Trust, Mortgage · Line of Credit DUPACO COMMUNITY CU
Feb 11, 2021	Deed of Trust, Mortgage · Commercial Mortgage DUPACO COMMUNITY CU
Sep 20, 2018	Deed of Trust, Mortgage · Line of Credit DUPACO COMMUNITY CREDIT UNION
Nov 17, 2017	Deed of Trust, Mortgage · Conventional Mortgage DUPACO COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	436 VALLEY DR, WATERLOO, IA 50701-1719
Transaction Type	Mortgage
Record Updated	Sep 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202400003152
Date	Aug 31, 2023
Instrument	202400003152

Lender

Name	DUPACO COMMUNITY CU
Type	Credit Union
Address	DUBUQUE, IA 52001

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Aug 30, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	436 VALLEY DR, WATERLOO, IA 50701-1719
Transaction Type	Mortgage
Record Updated	Feb 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100016978
Date	Feb 11, 2021
Instrument	202100016978

Lender

Name	DUPACO COMMUNITY CU
Type	Credit Union
Address	DUBUQUE, IA 52001

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 11, 2036

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	436 VALLEY DR, WATERLOO, IA 50701-1719
Transaction Type	Mortgage
Record Updated	Oct 17, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900004755
Date	Sep 20, 2018
Instrument	201900004755

Lender

Name	DUPACO COMMUNITY CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	436 VALLEY DR, WATERLOO, IA 50701-1719
Transaction Type	Mortgage
Record Updated	Dec 6, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 2018-00008708
Date	Nov 17, 2017
Instrument	2018-00008708

Lender

Name	DUPACO COMMUNITY CU
Type	Credit Union
Address	DUBUQUE, IA 52002

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 436 Valley Dr was $3,494 with a homeowner's exemption, up 4.2% 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	$3,494.00 (+4.17%) Homeowner's exemption	$182,060 Land $26,150 Building $155,910	$182,060 Land $26,150 Building $155,910
2024	$3,354.00
2023		$164,830 (+18.95%) Land $26,150 Building $138,680	$164,830 Land $26,150 Building $138,680
2022	$2,848.00 Homeowner's exemption	$138,570 Land $26,150 Building $112,420
2021			$138,570 Land $26,150 Building $112,420

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

Flood

FEMA maps place 436 Valley Dr 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.

Wildfire

Wildfire risk around 436 Valley Dr 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 342 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
CenturyLink DSL	140 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

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