446 Cutler St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 446 Cutler St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 752 sqft · built 1950
Lot Size	0.148 acres (6,450 sqft)
Owner	Company Name on File
Last Sale	$54,875 (Dec 2024)
Tax Bill	$1,356 (2025)
Deeds & Mortgages	Apr 2018 Mortgage Aug 2019 Mortgage + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`8913-14-433-023`

Property Details

APN / Parcel Number

Primary APN	`8913-14-433-023`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	752 sqft Living Area
1st Floor Area	752 sqft
Basement Area	752 sqft
Unfinished Basement	752 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,450 sqft (0.148 acres)
Lot Dimensions	129 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Patio Area	70 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	446 CUTLER ST
City	WATERLOO
State	IA
Zip	50703-2452
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LITCHFIELD ADDITION LOT 10 BLK 7
Legal Range	13W
Legal Township	89N
Legal Section	14
Legal Subdivision	LITCHFIELD ADDITION
Legal Block	7
Legal Lot Number	10
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1014
Census Tract	1701

Owner

446 Cutler St is owned by a company that bought it in December 2024.

Source: Black Hawk County records, as of October 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on File
Mailing Address	943 SUNRISE BLVD, WATERLOO, IA 50701-4951
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2018	Deed of Trust, Mortgage VERIDIAN CREDIT UNION
Aug 13, 2019	Deed of Trust, Mortgage · Balloon Mortgage VERIDIAN CREDIT UNION
Dec 7, 2023	Warranty Deed, Transfer TITLE SERVICES CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 7, 2024 · Amount on File
Deed Sale	Dec 7, 2024 · Amount on File
Prior Sale	Dec 7, 2023 · Amount on File
Deed Document Number	20247479
Prior Transfer Date	Apr 21, 2022
Prior Transfer Doc	0000020555
Record Updated	Oct 29, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	446 CUTLER ST, WATERLOO, IA 50703-2452
Transaction Type	Mortgage
Record Updated	Dec 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800016767
Date	Apr 16, 2018
Instrument	201800016767

Lender

Name	VERIDIAN CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount on Record
Term	117 Months
Due	Jan 1, 2028

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	446 CUTLER ST, WATERLOO, IA 50703-2452
Transaction Type	Mortgage
Record Updated	Dec 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000002807
Date	Aug 13, 2019
Instrument	202000002807

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Balloon Mortgage
Amount	Amount on Record

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Dec 7, 2023
Property Address	446 CUTLER ST, WATERLOO, IA 50703-2452
Document Number	202400007479
Instrument Date	Dec 5, 2023
Instrument	202400007479
Transaction Type	Transfer
Record Updated	Dec 20, 2023
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount on Record
Tax	$87.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	943 SUNRISE BLVD, WATERLOO, IA 50701-4951

Tax Assessment & Valuation

The 2025 property tax bill for 446 Cutler St was $1,356, up 12.3% from the year before.

Source: Black Hawk County assessment roll, as of October 17, 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	$1,356.00 (+12.25%)	$66,430 Land $6,370 Building $60,060	$66,430 Land $6,370 Building $60,060
2024	$1,208.00
2023		$55,640 (+27.09%) Land $6,370 Building $49,270	$55,640 Land $6,370 Building $49,270
2022	$962.00 Homeowner's exemption	$43,780 Land $6,370 Building $37,410
2021			$43,780 Land $6,370 Building $37,410

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

Flood

FEMA maps place 446 Cutler St in Zone X, where a levee reduces flood risk, though there have been 2 flood claims nearby since 1980.

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 reduced by levee · depends on levee performance
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (1980–1981)
Most Recent Claim	Apr 1981 · tidal / storm surge

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

The area around 446 Cutler 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.

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 568 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

May also be available: GigFire, Nextlink, T-Mobile.

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