Black Hawk County property record for 441 Florence St, Waterloo, IA 50703
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 852 sqft · built 1896 |
| Lot Size | 0.15 acres (6,550 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $972 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 8913-24-478-003 |
| Primary APN | 8913-24-478-003 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 852 sqft Living Area |
| 1st Floor Area | 852 sqft |
| Basement Area | 852 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 | Hip |
| Roof Material | Asphalt |
| Lot Area | 6,550 sqft (0.15 acres) |
| Lot Dimensions | 131 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 216 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 50 sqft |
| Shed | 1 Shed |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Street Address | 441 FLORENCE ST |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50703-4068 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | G ROBINSONS ADDITION LOT 15 |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 24 |
| Legal Subdivision | G ROBINSONS ADDITION |
| Legal Lot Number | 15 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 700 |
441 Florence St, a single family home, is owned by an individual.
Source: Black Hawk County records, as of September 1, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1221 FRANKLIN ST, WATERLOO, IA 50703-4427 |
| 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 | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 441 Florence St was $972, up 30.3% 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 | $972.00 (+30.29%) | $47,650 Land $5,640 Building $42,010 | $47,650 Land $5,640 Building $42,010 |
| 2024 | $746.00 | ||
| 2023 | $34,350 (+2.97%) Land $5,640 Building $28,710 | $34,350 Land $5,640 Building $28,710 | |
| 2022 | $732.00 | $33,360 Land $5,640 Building $27,720 | |
| 2021 | $33,360 Land $5,640 Building $27,720 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 441 Florence St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.
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.
The area around 441 Florence 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 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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