4857 Clover Ln, Waterloo, IA 50701 Property Records

Black Hawk County property record for 4857 Clover Ln, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 1,895 sqft · built 2003
Lot Size	0.354 acres (15,400 sqft)
Owner	2 Individual Names on File
Tax Bill	$9,054 (2025)
Deeds & Mortgages	Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8813-07-476-036`

Property Details

APN / Parcel Number

Primary APN	`8813-07-476-036`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	12 Rooms
Stories	1 Story
Building Area	1,895 sqft Living Area
1st Floor Area	1,895 sqft
Basement Area	1,895 sqft
Finished Basement	850 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	15,400 sqft (0.354 acres)
Lot Dimensions	140 ft deep x 110 ft wide
Garage Type	Attached
Garage Area	746 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	63 sqft
Deck Area	192 sqft
Patio Area	193 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	4857 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 6
Legal Range	13W
Legal Township	88N
Legal Section	07
Legal Subdivision	KLINGAMAN PARK SECOND ADDITION
Legal Lot Number	6
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1075
Census Tract	3001

Owner

4857 Clover Ln is owned and occupied by two individuals.

Source: Black Hawk County records, as of September 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4857 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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	4857 CLOVER LN, WATERLOO, IA 50701-9714
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4857 CLOVER LN, WATERLOO, IA 50701-9714

Mortgage

Document Number	202100017426
Date	Feb 18, 2021
Instrument	202100017426

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 4857 Clover Ln was $9,054 with a homeowner's exemption, up 15.7% from the year before.

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	$9,054.00 (+15.72%) Homeowner's exemption	$454,570 Land $55,000 Building $399,570	$454,570 Land $55,000 Building $399,570
2024	$7,824.00
2023		$370,900 (+14.05%) Land $55,000 Building $315,900	$370,900 Land $55,000 Building $315,900
2022	$6,948.00 Homeowner's exemption	$325,210 Land $55,000 Building $270,210
2021			$325,210 Land $55,000 Building $270,210

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

Flood

FEMA maps place 4857 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

Wildfire risk around 4857 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.

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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