4566 William Dr, Waterloo, IA 50701 Property Records

Black Hawk County property record for 4566 William Dr, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,216 sqft · built 2011
Lot Size	0.593 acres (25,837 sqft)
Owner	Individual Name on Record
Last Sale	$720,000 (Jan 2024)
Tax Bill	$14,316 (2025)
Deeds & Mortgages	Oct 2019 Refinance Jan 2024 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8813-07-403-006`

Property Details

APN / Parcel Number

Primary APN	`8813-07-403-006`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,216 sqft Living Area
1st Floor Area	1,494 sqft
Basement Area	1,638 sqft
Finished Basement	1,300 sqft
Unfinished Basement	1,638 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Exterior Material	Other
Roof Type	Hip
Roof Material	Asphalt
Lot Area	25,837 sqft (0.593 acres)
Lot Dimensions	180 ft deep x 107 ft wide
Garage Type	Attached
Garage Area	1,352 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	406 sqft
Deck Area	190 sqft
Patio Area	260 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	4566 WILLIAM DR
City	WATERLOO
State	IA
Zip	50701-9703
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NOTTINGHAM HEIGHTS ADDITION LOT 1
Legal Range	13W
Legal Township	88N
Legal Section	07
Legal Subdivision	NOTTINGHAM HEIGHTS ADDITION
Legal Lot Number	1
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1027
Census Tract	3001

Owner

Source: Black Hawk County records, as of September 1, 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	Individual Name on Record
Mailing Address	4566 WILLIAM DR, WATERLOO, IA 50701-9703
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FARMERS STATE BANK
Jan 23, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VERIDIAN CU
Jan 23, 2024	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 23, 2024 · Amount on Record
Deed Sale	Jan 23, 2024 · Amount on Record
Prior Sale	May 18, 2011 · Amount on Record
Deed Document Number	20249241
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	4566 WILLIAM DR, WATERLOO, IA 50701-9703
Transaction Type	Mortgage
Record Updated	Feb 7, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000006361
Date	Oct 4, 2019
Instrument	202000006361

Lender

Name	FARMERS STATE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2034

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	4566 WILLIAM DR, WATERLOO, IA 50701-9703
Transaction Type	Mortgage
Record Updated	Feb 7, 2024
Title Company	TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202400009243
Date	Jan 23, 2024
Instrument	202400009243

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	1827 ANSBOROUGH AVE, WATERLOO, IA 50701

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	85 Months
Due	Feb 1, 2031

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jan 23, 2024
Property Address	4566 WILLIAM DR, WATERLOO, IA 50701-9703
Document Number	202400009241
Instrument Date	Dec 20, 2023
Instrument	202400009241
Transaction Type	Transfer
Record Updated	Oct 17, 2025
Title Company	TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,151.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4566 WILLIAM DR, WATERLOO, IA 50701-9703

Mortgage

Document Number	202400009242
Date	Jan 23, 2024
Instrument	202400009242

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2031
Change Frequency	Annually
Min Rate At Change	5.62%
Max Rate At Change	9.62%
Index	1-Year CMT
Max Rate	13.6%

Tax Assessment & Valuation

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	$14,316.00 (+12.71%) Homeowner's exemption	$712,360 (+24.5%) Land $67,460 Building $644,900	$712,360 (+24.5%) Land $67,460 Building $644,900
2024	$12,702.00 (+0.19%)
2023		$572,190 (-2.38%) Land $67,460 Building $504,730	$572,190 (-2.38%) Land $67,460 Building $504,730
2022	$12,678.00 Homeowner's exemption	$586,160 Land $67,460 Building $518,700
2021			$586,160 Land $67,460 Building $518,700

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

Flood

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 Record 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

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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