Black Hawk County property record for 438 Locust St, Waterloo, IA 50701
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,447 sqft · built 1896 |
| Lot Size | 0.069 acres (3,000 sqft) |
| Owner | Company Name on File |
| Last Sale | $32,930 (Jul 2016) |
| Tax Bill | $1,134 (2025) |
| Deeds & Mortgages | Nov 2017 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 8913-26-329-010 |
| Primary APN | 8913-26-329-010 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,447 sqft Living Area |
| 1st Floor Area | 612 sqft |
| Basement Area | 828 sqft |
| Unfinished Basement | 828 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1896 |
|---|---|
| Effective Year Built | Effective 1896 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 3,000 sqft (0.069 acres) |
| Lot Dimensions | 60 ft deep x 50 ft wide |
| Porch | Slab |
| Porch Area | 335 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 438 LOCUST ST |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50701-2632 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BAGGS ADDITION NW 50 FT SE 140 FT LOT 5 |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 26 |
| Legal Subdivision | BAGGS ADDITION |
| Legal Lot Number | 5 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 300 |
438 Locust St is owned by a company that bought it in July 2016.
Source: Black Hawk County records, as of September 1, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 3702 LORALIN DR, WATERLOO, IA 50701-4814 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 28, 2016 · Amount on File |
| Deed Sale | Jul 28, 2016 · Amount on File |
| Deed Document Number | 20162017-00001891 |
| Record Updated | Oct 29, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Nov 21, 2017 |
| Property Address | 438 LOCUST ST, WATERLOO, IA 50701-2632 |
| Document Number | 201800008948 |
| Instrument Date | Nov 16, 2017 |
| Instrument | 2018-00008948 |
| Transaction Type | Transfer |
| Record Updated | Jul 8, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount from Assessment |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 335 SHERIDAN RD, WATERLOO, IA 50701-4023 |
The 2025 property tax bill for 438 Locust St was $1,134, up 8.8% 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 | $1,134.00 (+8.83%) | $55,520 Land $4,650 Building $50,870 | $55,520 Land $4,650 Building $50,870 |
| 2024 | $1,042.00 | ||
| 2023 | $47,990 (+22.45%) Land $4,650 Building $43,340 | $47,990 Land $4,650 Building $43,340 | |
| 2022 | $860.00 | $39,190 Land $4,650 Building $34,540 | |
| 2021 | $39,190 Land $4,650 Building $34,540 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 438 Locust St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 27, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
The area around 438 Locust 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 734 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 |
May also be available: GigFire, Nextlink, T-Mobile, Verizon.
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