Black Hawk County property record for 4827 Clover Ln, Waterloo, IA 50701
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 1,820 sqft · built 2003 |
| Lot Size | 0.32 acres (13,942 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $7,940 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 8813-07-476-033 |
| Primary APN | 8813-07-476-033 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 11 Rooms |
| Stories | 1 Story |
| Building Area | 1,820 sqft Living Area |
| 1st Floor Area | 1,820 sqft |
| Basement Area | 1,820 sqft |
| Finished Basement | 825 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 13,942 sqft (0.32 acres) |
| Lot Dimensions | 143 ft deep x 90 ft wide |
| Garage Type | Attached |
| Garage Area | 600 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 30 sqft |
| Deck Area | 308 sqft |
| Patio Area | 308 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 4827 CLOVER LN |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50701-9714 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KLINGAMAN PARK SECOND ADDITION LOT 9 |
| Legal Range | 13W |
| Legal Township | 88N |
| Legal Section | 07 |
| Legal Subdivision | KLINGAMAN PARK SECOND ADDITION |
| Legal Lot Number | 9 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1075 |
| Census Tract | 3001 |
4827 Clover Ln is owner-occupied and held in a trust since May 2024.
Source: Black Hawk County records, as of September 1, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 4827 CLOVER LN, WATERLOO, IA 50701-9714 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | May 24, 2024 |
| Transfer Doc | 0202421399 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 4827 Clover Ln was $7,940 with a homeowner's exemption, up 15.8% from the year before.
Source: Black Hawk County assessment roll, as of October 17, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,940.00 (+15.78%) Homeowner's exemption | $414,580 Land $47,980 Building $366,600 | $414,580 Land $47,980 Building $366,600 |
| 2024 | $6,858.00 | ||
| 2023 | $340,050 (+13.94%) Land $47,980 Building $292,070 | $340,050 Land $47,980 Building $292,070 | |
| 2022 | $6,360.00 Homeowner's exemption | $298,440 Land $47,980 Building $250,460 | |
| 2021 | $298,440 Land $47,980 Building $250,460 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4827 Clover Ln 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 risk around 4827 Clover Ln is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 82% 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.
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 |
| 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.
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.
5G (outdoors only) and 4G LTE
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