4779 Clover Ln, Waterloo, IA 50701 Property Records

Black Hawk County property record for 4779 Clover Ln, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,214 sqft · built 1978
Lot Size	0.426 acres (18,560 sqft)
Owner	Individual Name on Record
Tax Bill	$5,902 (2025)
Deeds & Mortgages	Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8813-07-476-009`

Property Details

APN / Parcel Number

Primary APN	`8813-07-476-009`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Building Area	1,214 sqft Living Area
1st Floor Area	1,074 sqft
Basement Area	1,074 sqft
Finished Basement	475 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Split Level
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,560 sqft (0.426 acres)
Lot Dimensions	160 ft deep x 122 ft wide
Garage Type	Attached
Garage Area	458 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	222 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	4779 CLOVER LN
City	WATERLOO
State	IA
Zip	50701-9737
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FIRST ADD TO KLINGAMAN KNOLLS LOT 39
Legal Range	13W
Legal Township	88N
Legal Section	07
Legal Subdivision	FIRST ADD TO KLINGAMAN KNOLLS
Legal Lot Number	39
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1075
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	Individual Name on Record
Mailing Address	4779 CLOVER LN, WATERLOO, IA 50701-9737
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jul 5, 2017
Property Address	4779 CLOVER LN, WATERLOO, IA 50701-9737
Document Number	201800000141
Instrument Date	Jun 21, 2017
Instrument	2018-00000141
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4779 CLOVER LN, WATERLOO, IA 50701-9737

Mortgage

Document Number	201800000142
Date	Jul 5, 2017
Instrument	2018-00000142

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

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	$5,902.00 (+16.23%)	$289,180 (+23.52%) Land $36,820 Building $252,360	$289,180 (+23.52%) Land $36,820 Building $252,360
2024	$5,078.00 (+15.94%)
2023		$234,110 (+17.41%) Land $36,820 Building $197,290	$234,110 (+17.41%) Land $36,820 Building $197,290
2022	$4,380.00	$199,400 Land $36,820 Building $162,580
2021			$199,400 Land $36,820 Building $162,580

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 99.1% of the US · lower than 91% of Iowa
Wildfire Likelihood	Under 0.01% 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.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Clover Ln

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