Black Hawk County property record for 4845 Clover Ln, Waterloo, IA 50701
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,535 sqft · built 2003 |
| Lot Size | 0.305 acres (13,300 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $267,750 (Mar 2009) |
| Tax Bill | $7,542 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 8813-07-476-035 |
| Primary APN | 8813-07-476-035 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 10 Rooms |
| Stories | 1 Story |
| Building Area | 1,535 sqft Living Area |
| 1st Floor Area | 1,535 sqft |
| Basement Area | 1,535 sqft |
| Finished Basement | 1,100 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 13,300 sqft (0.305 acres) |
| Lot Dimensions | 140 ft deep x 95 ft wide |
| Garage Type | Attached |
| Garage Area | 732 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 42 sqft |
| Deck Area | 196 sqft |
| Patio Area | 196 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 4845 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 7 |
| Legal Range | 13W |
| Legal Township | 88N |
| Legal Section | 07 |
| Legal Subdivision | KLINGAMAN PARK SECOND ADDITION |
| Legal Lot Number | 7 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1075 |
| Census Tract | 3001 |
4845 Clover Ln is owned and occupied by two individuals who bought it in March 2009.
Source: Black Hawk County records, as of September 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4845 CLOVER LN, WATERLOO, IA 50701-9714 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 | 2 Names on Deed |
|---|---|
| Last Sale | Mar 26, 2009 · Amount on File |
| Deed Sale | Mar 26, 2009 · Amount on File |
| Prior Sale | Jun 4, 2007 · Amount on File |
| Deed Document Number | 200917977 |
| Prior Transfer Date | Feb 18, 2009 |
| Prior Transfer Doc | 0000017977 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 4845 Clover Ln was $7,542, up 13.9% 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 | $7,542.00 (+13.89%) | $369,590 Land $47,500 Building $322,090 | $369,590 Land $47,500 Building $322,090 |
| 2024 | $6,622.00 | ||
| 2023 | $305,260 (+13.51%) Land $47,500 Building $257,760 | $305,260 Land $47,500 Building $257,760 | |
| 2022 | $5,994.00 | $268,920 Land $47,500 Building $221,420 | |
| 2021 | $268,920 Land $47,500 Building $221,420 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4845 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 4845 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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