Black Hawk County property record for 4433 Gilbertville Rd, Waterloo, IA 50701
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,696 sqft · built 1970 |
| Lot Size | 2.52 acres (109,771 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $325,000 (May 2018) |
| Tax Bill | $5,696 (2025) |
| Deeds & Mortgages | Apr 2022 Mortgage Jul 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 8812-15-176-005 |
| Primary APN | 8812-15-176-005 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,696 sqft Living Area |
| 1st Floor Area | 616 sqft |
| Attic | Attic |
| Attic Area | 216 sqft |
| Basement Area | 1,582 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 109,771 sqft (2.52 acres) |
| Garage Type | Mixed |
| Garage Area | 1,748 sqft |
| Parking Spaces | 6 Parking Spaces |
| Lean-To | Lean-To |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 4433 GILBERTVILLE RD |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50701-9167 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PART OF SEC 15 T 88 R 12 DESC AS BEG AT CENTER OF SAID SEC 15 TH N 01 DEG 59 MIN 09 SEC W 202.28 FT TH S 88 DEG 54 MIN 47 SEC |
| Legal Range | 12W |
| Legal Township | 88N |
| Legal Section | 15 |
| Legal Subdivision | UNK |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | POYNER |
| Census Block Group | 4 |
| Census Block | 4012 |
| Census Tract | 2700 |
Source: Black Hawk County records, as of September 1, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 4433 GILBERTVILLE RD, WATERLOO, IA 50701-9167 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 5, 2022 | Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU |
| Jul 18, 2017 | Deed of Trust, Mortgage · Conventional Mortgage FARMERS STATE BANK |
| May 9, 2018 | Warranty Deed, Transfer UNIVERSITY OF IOWA CREDIT UNION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 9, 2018 · Amount on Record |
| Deed Sale | May 9, 2018 · Amount on Record |
| Deed Document Number | 201818237 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 4433 GILBERTVILLE RD, WATERLOO, IA 50701-9167 |
| Transaction Type | Mortgage |
| Record Updated | Apr 18, 2022 |
| Name | Verified Name |
|---|---|
| Address | 4433 GILBERTVILLE RD, WATERLOO, IA 50701-9167 |
| Document Number | 202200019540 |
|---|---|
| Date | Apr 5, 2022 |
| Instrument | 202200019540 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | WATERLOO, IA 50701 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | May 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 4433 GILBERTVILLE RD, WATERLOO, IA 50701-9167 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 201800000901 |
|---|---|
| Date | Jul 18, 2017 |
| Instrument | 2018-00000901 |
| Name | FARMERS STATE BANK |
|---|---|
| Type | Bank |
| Address | WATERLOO, IA 50701 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 18, 2032 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | May 9, 2018 |
| Property Address | 4433 GILBERTVILLE RD, WATERLOO, IA 50701-9167 |
| Document Number | 201800018237 |
| Instrument Date | May 1, 2018 |
| Instrument | 201800018237 |
| Transaction Type | Transfer |
| Record Updated | Feb 10, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 4433 GILBERTVILLE RD, WATERLOO, IA 50701-9167 |
| Document Number | 201800018238 |
|---|---|
| Date | May 9, 2018 |
| Instrument | 201800018238 |
| Name | UNIVERSITY OF IOWA CREDIT UNION |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 356 Months |
| Due | Jan 1, 2048 |
Source: Black Hawk County assessment roll, as of October 17, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Unified School District | Waterloo Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,696.00 (+4.02%) Homeowner's exemption | $462,380 (+11.15%) Land $80,500 Building $381,880 | $462,380 (+11.15%) Land $80,500 Building $381,880 |
| 2024 | $5,476.00 (+31%) | ||
| 2023 | $415,990 (+31.56%) Land $69,000 Building $346,990 | $415,990 (+31.56%) Land $69,000 Building $346,990 | |
| 2022 | $4,180.00 Homeowner's exemption | $316,190 Land $57,500 Building $258,690 | |
| 2021 | $316,190 Land $57,500 Building $258,690 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 16 (1990–2016) |
| Claims Outside the SFHA | 2 of 16 |
| Most Recent Claim | Sep 2016 · Severe Storms And Flooding |
| Claims by Event |
|
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 | Low lower than 64% of the US · above 64% of Iowa |
|---|---|
| Wildfire Likelihood | 0.04% 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 26 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
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