Black Hawk County property record for 444 Gladys St, Waterloo, IA 50702 · Last verified June 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1950 |
| Square Footage | 1,575 sqft Living Area |
| Lot Size | 9,490 sqft (0.218 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $161,500 (2025) |
| Tax Bill | $1,924.00 (2025) |
| Primary APN | 8913-36-227-008 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Partial Baths | 2 Partial Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,575 sqft Living Area |
| 1st Floor | 900 sqft 1st Floor |
| Attic Area | 495 sqft Attic |
| Attic | 1 Attic |
| Basement Area | 900 sqft Basement |
| Finished Basement | 400 sqft Finished |
| Game Room | Game Room |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Plaster Interior Structure |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Exterior Material | Vinyl Exterior |
| Construction Type | Frame Construction |
| Roof Construction | Gable Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 9,490 sqft (0.218 acres) |
| Depth X Width | 130 ft x 75 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Detached Garage |
| Garage Area | 704 sqft Garage |
| Porch | 1 Porch |
| Porch Area | 280 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 444 GLADYS ST |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50702-1318 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | ROOFFS ADDITION S 1/2 LOT 9 LOT 10 |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 36 |
| Legal Subdivision | ROOFFS ADDITION |
| Legal Lot Number | 9,10 |
| Jurisdiction | BLACK HAWK IA |
| Minor Civil Division | WATERLOO |
| Census Blockgroup | 2 |
| Census Block | 2055 |
| Census Tract | 900 |
Source: Black Hawk County records · APN 8913-36-227-008
Assessment roll updated October 17, 2025 · Last verified June 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 File |
|---|---|
| Mailing Address | 444 GLADYS ST, WATERLOO, IA 50702-1318 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Oct 18, 2017 | Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF IOWA COMMUNITY CU |
| Oct 29, 2019 | Deed of Trust, Mortgage · Stand Alone Refinance GREENSTATE CREDIT UNION |
| Nov 21, 2025 | Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 21, 2025 · Amount on Record |
| Deed Sale | Nov 21, 2025 · Amount on Record |
| Deed Doc Number | 202517210 |
| Prior Transfer Date | Jun 01, 2011 |
| Prior Transfer Doc | 0000022983 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 444 GLADYS ST, WATERLOO, IA 50702-1318 |
| Transaction Type | Mortgage |
| Record Updated | Dec 02, 2025 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 201800006874 |
|---|---|
| Date | Oct 18, 2017 |
| Instrument | 2018-00006874 |
| Name | UNIVERSITY OF IOWA COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | NORTH LIBERTY, IA 52317 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 444 GLADYS ST, WATERLOO, IA 50702-1318 |
| Transaction Type | Mortgage |
| Record Updated | Dec 02, 2025 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 202000007912 |
|---|---|
| Date | Oct 29, 2019 |
| Instrument | 202000007912 |
| Name | GREENSTATE CREDIT UNION |
|---|
| Type | Stand Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 01, 2034 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Nov 21, 2025 |
| Property Address | 444 GLADYS ST, WATERLOO, IA 50702-1318 |
| Document Number | 0202517210 |
| Instrument Date | Nov 19, 2025 |
| Instrument | 2025-17210 |
| Transaction Type | Transfer |
| Record Updated | Dec 02, 2025 |
| Title Company | TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $257.60 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 444 GLADYS ST, WATERLOO, IA 50702-1318 |
| Document Number | 0202517211 |
|---|---|
| Date | Nov 21, 2025 |
| Instrument | 2025-17211 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.62% |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Type Change Date | Dec 01, 2032 |
| Change Frequency | Annually |
| Min Rate At Change | 3.62% |
| Max Rate At Change | 7.62% |
| Index | 1-Year CMT |
| Max Rate | 11.6% |
| Document Number | 0202517212 |
|---|---|
| Date | Nov 21, 2025 |
| Instrument | 2025-17212 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | 1827 ANSBOROUGH AVE, WATERLOO, IA 50701 |
| Type | Stand Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 85 Months |
| Due | Dec 01, 2032 |
Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,924.00 Homeowner's exemption | $107,940 (+9.15%) Land $10,830 Building $97,110 | $107,940 (+9.15%) Land $10,830 Building $97,110 |
| 2024 | $1,924.00 (-9.84%) | ||
| 2023 | $98,890 (-6.74%) Land $10,830 Building $88,060 | $98,890 (-6.74%) Land $10,830 Building $88,060 | |
| 2022 | $2,134.00 Homeowner's exemption | $106,040 Land $10,830 Building $95,210 | |
| 2021 | $106,040 Land $10,830 Building $95,210 |
Source: FEMA National Flood Hazard Layer, Black Hawk County (19013C), updated September 27, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Reduced by levee depends on levee performance |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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