Black Hawk County property record for 4405 E Big Rock Rd, Waterloo, IA 50703
| Property Type | Rural Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,882 sqft · built 1875 |
| Lot Size | 1.27 acres (55,321 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,414 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 9012-34-376-002 |
| Primary APN | 9012-34-376-002 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,882 sqft Living Area |
| 1st Floor Area | 672 sqft |
| Basement Area | 672 sqft |
| Unfinished Basement | 672 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1875 |
|---|---|
| Effective Year Built | Effective 1875 |
| Exterior Material | Aluminum Siding |
| Construction Type | Frame |
| Foundation Type | Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 55,321 sqft (1.27 acres) |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 154 sqft |
| Patio Area | 504 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 4405 E BIG ROCK RD |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50703-9506 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | PART SE SW SEC 34 T 90 R 12 COM AT PT 320 FT W OF SE COR SE SW TH W ALONG S LINE SE SW 325 FT TH N 204 FT TH E PAR S LINE SEC |
| Legal Range | 12W |
| Legal Township | 90N |
| Legal Section | 34 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | BENNINGTON |
| Census Block Group | 1 |
| Census Block | 1061 |
| Census Tract | 2700 |
4405 E Big Rock Rd, a rural home, is owned and occupied by two individuals who acquired it in September 2023.
Source: Black Hawk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4405 E BIG ROCK RD, WATERLOO, IA 50703-9506 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Sep 5, 2023 |
| Transfer Doc | 0000003602 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Apr 17, 2026 |
| Property Address | 4405 E BIG ROCK RD, WATERLOO, IA 50703-9506 |
| Document Number | 0000005400 |
| Instrument Date | Apr 15, 2026 |
| Instrument | 20265400 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | BLACK HAWK COUNTY ABSTRACT |
| Name | Verified Name |
|---|---|
| Address | 4405 E BIG ROCK RD, WATERLOO, IA 50703-9506 |
| Investor | Possibly a Property Investor |
| Document Number | 0000005400, |
|---|---|
| Date | Apr 17, 2026 |
| Instrument | 20265400 |
| Name | VERIDIAN CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.63% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
The 2025 property tax bill for 4405 E Big Rock Rd was $1,414 with a homeowner's exemption, down 4.8% from the year before.
Source: Black Hawk County assessment roll, as of October 17, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Unified School District | Dunkerton Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,414.00 (-4.85%) Homeowner's exemption | $156,890 Land $1,530 Building $155,360 | $156,890 Land $1,530 Building $155,360 |
| 2024 | $1,486.00 | ||
| 2023 | $151,120 (+35.4%) Land $1,200 Building $149,920 | $151,120 Land $1,200 Building $149,920 | |
| 2022 | $1,460.00 Homeowner's exemption Additional exemption filed | $111,610 Land $970 Building $110,640 | |
| 2021 | $111,610 Land $970 Building $110,640 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4405 E Big Rock Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 27, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 4405 E Big Rock Rd 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 98% of the US · lower than 82% 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.
Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Fiber | 2,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Dunkerton Telephone Cooperative.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures