4525 William Dr, Waterloo, IA 50701 Property Records

Black Hawk County property record for 4525 William Dr, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	6 bd · 5 ba · 2,780 sqft · built 2006
Lot Size	0.925 acres (40,280 sqft)
Owner	2 Trust Names on File
Last Sale	$625,000 (May 2024)
Tax Bill	$14,102 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8813-07-401-032`

Property Details

APN / Parcel Number

Primary APN	`8813-07-401-032`

Interior

Bedrooms	6 Beds
Full Baths	5 Baths
Half Baths	4 Half Baths
Total Rooms	12 Rooms
Stories	1 Story
Building Area	2,780 sqft Living Area
1st Floor Area	2,324 sqft
Basement Area	2,780 sqft
Finished Basement	2,180 sqft
Unfinished Basement	2,780 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,280 sqft (0.925 acres)
Lot Dimensions	190 ft deep x 175 ft wide
Garage Type	Attached
Garage Area	1,076 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	30 sqft
Deck Area	786 sqft
Patio Area	168 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	4525 WILLIAM DR
City	WATERLOO
State	IA
Zip	50701-9703
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NOTTINGHAM HEIGHTS ADDITION LOT 5
Legal Range	13W
Legal Township	88N
Legal Section	07
Legal Subdivision	NOTTINGHAM HEIGHTS ADDITION
Legal Lot Number	5
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1027
Census Tract	3001

Owner

4525 William Dr is owner-occupied and held in a trust since May 2025.

Source: Black Hawk County records, as of September 1, 2026

Owner of Record	2 Trust Names on File
Mailing Address	4525 WILLIAM DR, WATERLOO, IA 50701-9703
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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

Deeds, Mortgages & Sale History

Date	Document
May 16, 2023	Warranty Deed, Transfer · Conventional Mortgage HERITAGE BANK NA
Jun 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage FARMERS STATE BANK
Apr 12, 2021	Warranty Deed, Transfer · Conventional Mortgage FARMERS STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2024 · Amount on File
Deed Sale	May 1, 2024 · Amount on File
Prior Sale	May 16, 2023 · Amount on File
Deed Document Number	202413561
Last Transfer Date	May 21, 2025
Transfer Doc	0202507050
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 16, 2023
Property Address	4525 WILLIAM DR, WATERLOO, IA 50701-9703
Document Number	202300015351
Instrument Date	May 8, 2023
Instrument	202300015351
Transaction Type	Transfer
Record Updated	Jun 2, 2023
Title Company	TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$999.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45ZS WILLIAM DR, WATERLOO, IA 50701

Mortgage

Document Number	202300015352
Date	May 16, 2023
Instrument	202300015352

Lender

Name	HERITAGE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.12%
Type Change Date	Jun 1, 2030
Change Frequency	6 Months
Min Rate At Change	4.12%
Max Rate At Change	8.12%
Index	Other
Max Rate	19%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	4525 WILLIAM DR, WATERLOO, IA 50701-9703
Transaction Type	Mortgage
Record Updated	Jun 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100026578
Date	Jun 16, 2021
Instrument	202100026578

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2036

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 12, 2021
Property Address	4525 WILLIAM DR, WATERLOO, IA 50701-9703
Document Number	202100021355
Instrument Date	Apr 2, 2021
Instrument	202100021355
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$919.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4525 WILLIAM DR, WATERLOO, IA 50701-9703

Mortgage

Document Number	202100021356
Date	Apr 12, 2021
Instrument	202100021356

Lender

Name	FARMERS STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

Mortgage

Document Number	202100021357
Date	Apr 12, 2021
Instrument	202100021357

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	WATERLOO, IA 50701

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 5, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 4525 William Dr was $14,102 with a homeowner's exemption, up 11.5% 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	$14,102.00 (+11.48%) Homeowner's exemption	$701,900 Land $98,210 Building $603,690	$701,900 Land $98,210 Building $603,690
2024	$12,650.00
2023		$581,280 (-1.52%) Land $98,210 Building $483,070	$581,280 Land $98,210 Building $483,070
2022	$12,768.00 Homeowner's exemption	$590,230 Land $98,210 Building $492,020
2021			$590,230 Land $98,210 Building $492,020

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

Flood

FEMA maps place 4525 William Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1985.

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
Flood Insurance Cost	Premium on File median of 21 individual policies
Nearby Flood Policies	37 units insured incl. 16 condo units
Nearby Flood Claims	2 (1985–2020)
Most Recent Claim	Jun 2020 · 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.

Wildfire

Wildfire risk around 4525 William Dr is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 49% of Iowa
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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 118 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Waterloo Fiber Fiber	10,000 / 10,000
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130

May also be available: Nextlink.

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