4646 William Dr, Waterloo, IA 50701 Property Records

Black Hawk County property record for 4646 William Dr, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,087 sqft · built 2004
Lot Size	0.534 acres (23,250 sqft)
Owner	2 Individual Names on Record
Last Sale	$625,000 (Aug 2024)
Tax Bill	$10,172 (2025)
Deeds & Mortgages	Mar 2024 Line of Credit Mar 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8813-07-401-012`

Property Details

APN / Parcel Number

Primary APN	`8813-07-401-012`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	13 Rooms
Stories	1 Story
Building Area	2,087 sqft Living Area
1st Floor Area	1,905 sqft
Basement Area	1,905 sqft
Finished Basement	1,500 sqft
Unfinished Basement	1,905 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	23,250 sqft (0.534 acres)
Lot Dimensions	155 ft deep x 150 ft wide
Garage Type	Attached
Garage Area	1,328 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	54 sqft
Deck Area	378 sqft
Patio Area	985 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	4646 WILLIAM DR
City	WATERLOO
State	IA
Zip	50701-9742
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NOTTINGHAM FIRST ADDITION LOT 1
Legal Range	13W
Legal Township	88N
Legal Section	07
Legal Subdivision	NOTTINGHAM FIRST 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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4646 WILLIAM DR, WATERLOO, IA 50701-9742
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2024	Deed of Trust, Mortgage · Line of Credit GREENSTATE CU
Mar 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Feb 24, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 2024 · Amount on Record
Deed Sale	Aug 16, 2024 · Amount on Record
Deed Document Number	202418883
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	4646 WILLIAM DR, WATERLOO, IA 50701-9742
Transaction Type	Mortgage
Record Updated	Apr 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202400011470
Date	Mar 20, 2024
Instrument	202400011470

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	PO BOX 800, NORTH LIBERTY, IA 52317

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Mar 19, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	4646 WILLIAM DR, WATERLOO, IA 50701-9742
Transaction Type	Mortgage
Record Updated	Mar 21, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200017562
Date	Mar 4, 2022
Instrument	202200017562

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2037

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	4646 WILLIAM DR, WATERLOO, IA 50701-9742
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000014606
Date	Feb 24, 2020
Instrument	202000014606

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	169 Months
Due	Mar 1, 2034

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	$10,172.00 (+18.94%) Homeowner's exemption	$509,280 (+21.79%) Land $73,390 Building $435,890	$509,280 (+21.79%) Land $73,390 Building $435,890
2024	$8,552.00 (-6.45%)
2023		$418,170 (-1.64%) Land $73,390 Building $344,780	$418,170 (-1.64%) Land $73,390 Building $344,780
2022	$9,142.00 Homeowner's exemption	$425,150 Land $73,390 Building $351,760
2021			$425,150 Land $73,390 Building $351,760

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 96% of the US · lower than 71% of Iowa
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond 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 218 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: CenturyLink, Nextlink.

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