Black Hawk County property record for 440 Cherry St, Waterloo, IA 50703
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,097 sqft · built 1902 |
| Lot Size | 0.104 acres (4,524 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $714 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 8913-24-460-003 |
| Primary APN | 8913-24-460-003 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,097 sqft Living Area |
| 1st Floor Area | 708 sqft |
| Attic | Attic |
| Attic Area | 389 sqft |
| Basement Area | 708 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1902 |
|---|---|
| Effective Year Built | Effective 1902 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 4,524 sqft (0.104 acres) |
| Lot Dimensions | 116 ft deep x 39 ft wide |
| Deck Area | 80 sqft |
| Patio Area | 16 sqft |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Street Address | 440 CHERRY ST |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50703-4002 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DREWS SUBDIVISION N 39 FT LOT 3 |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 24 |
| Legal Subdivision | DREWS SUBDIVISION |
| Legal Lot Number | 3 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 700 |
Source: Black Hawk County records, as of May 27, 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 316, JANESVILLE, IA 50647-0316 |
| Owner Type | Company |
| Vesting | Company |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 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 | $714.00 | $46,160 (+40.39%) Land $4,220 Building $41,940 | $46,160 (+40.39%) Land $4,220 Building $41,940 |
| 2024 | $714.00 (-22.31%) | ||
| 2023 | $32,880 (+8.3%) Land $4,220 Building $28,660 | $32,880 (+8.3%) Land $4,220 Building $28,660 | |
| 2022 | $919.00 | $30,360 Land $4,220 Building $26,140 | |
| 2021 | $30,360 Land $4,220 Building $26,140 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 | 2 (1979–1980) |
| Most Recent Claim | Jun 1980 · rainfall accumulation |
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 332 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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