440 Fairfield St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 440 Fairfield St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,212 sqft · built 1949
Lot Size	0.415 acres (18,078 sqft)
Owner	Individual Name on Record
Last Sale	$66,500 (Nov 2014)
Tax Bill	$1,876 (2022)
Deeds & Mortgages	Jul 2021 Mortgage Nov 2014 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8913-15-201-021`

Property Details

APN / Parcel Number

Primary APN	`8913-15-201-021`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,212 sqft Living Area
1st Floor Area	1,134 sqft
Basement Area	1,134 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Architectural Style	A-Frame
Exterior Material	Aluminum Siding
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,078 sqft (0.415 acres)
Lot Dimensions	262 ft deep x 69 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	156 sqft
Patio Area	348 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	440 FAIRFIELD ST
City	WATERLOO
State	IA
Zip	50703-1630
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BRINKER THOMAS & MC CLELLAN ADDITION LOT 15 BLK 4
Legal Range	13
Legal Township	89
Legal Section	15
Legal Subdivision	BRINKER THOMAS & MC CLELLAN
Legal Block	4
Legal Lot Number	15
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2009
Census Tract	1600

Owner

Source: Black Hawk County records, as of October 16, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	440 FAIRFIELD ST, WATERLOO, IA 50703-1630
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2021	Deed of Trust, Mortgage · VA Mortgage VERIDIAN CU
Nov 20, 2014	Deed of Trust, Mortgage VERIDIAN CU
Aug 5, 2025	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Nov 13, 2014	Deed, Transfer · ARM VERIDIAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 13, 2014 · Amount on Record
Deed Sale	Nov 13, 2014 · Amount on Record
Deed Document Number	201500008310
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	440 FAIRFIELD ST, WATERLOO, IA 50703-1630
Transaction Type	Mortgage
Record Updated	Jun 9, 2026
Title Company	TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200001255
Date	Jul 16, 2021
Instrument	202200001255

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jun 1, 2051

November 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	440 FAIRFIELD ST, WATERLOO, IA 50703-1630
Transaction Type	Mortgage
Record Updated	Jun 9, 2026
Title Company	BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK COUNTY ABSTRACT &

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201500008712
Date	Nov 20, 2014
Instrument	201500008712

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Nov 25, 2029

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	440 FAIRFIELD ST, WATERLOO, IA 50703-1630
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 FAIRFIELD ST, WATERLOO, IA 50703-1630

Mortgage

Document Number	0202511266
Date	Aug 5, 2025
Instrument	2025-11266

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	PO BOX 6000, WATERLOO, IA 50704

Agreement

Type	Line of Credit
Term	180 Months
Due	Aug 15, 2040

Interest

Change Frequency	Monthly

November 2014: Deed, Transfer

Document Type	Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 13, 2014
Property Address	440 FAIRFIELD ST, WATERLOO, IA 50703-1630
Document Number	201500008310
Instrument Date	Nov 12, 2014
Instrument	201500008310
Transaction Type	Transfer
Record Updated	Jun 9, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$105.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 FAIRFIELD ST, WATERLOO, IA 50703-1630

Mortgage

Document Number	201500008311
Date	Nov 13, 2014
Instrument	201500008311

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2044

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.62%
Index	1-Year LIBOR
Max Rate	9.62%

Tax Assessment & Valuation

Source: Black Hawk County assessment roll, as of May 1, 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		$137,890 (+14.46%) Land $16,150 Building $121,740	$137,890 (+14.46%) Land $16,150 Building $121,740
2023		$120,470 (+23.29%) Land $16,150 Building $104,320	$120,470 (+23.29%) Land $16,150 Building $104,320
2022	$1,876.00 Homeowner's exemption	$97,710 Land $16,150 Building $81,560
2021			$97,710 Land $16,150 Building $81,560

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

Flood

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 Policies	4 in force
Nearby Flood Claims	2 (1978–1980)
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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 98.1% 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 231 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink.

Nearby Properties on Fairfield St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures