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4907 Texas St, Waterloo, IA 50702 Property Records

Black Hawk County property record for 4907 Texas St, Waterloo, IA 50702

Property Summary

Property TypeRural Home
Details3 bd · 2 ba · 1,215 sqft · built 1941
Lot Size0.61 acres (26,572 sqft)
Owner2 Individual Names on Record
Tax Bill$2,060 (2025)
Deeds & MortgagesApr 2026 Line of Credit
Flood ZoneZone AE (high risk)
APN8813-12-477-003

Property Details

APN / Parcel Number

Primary APN8813-12-477-003

Interior

Bedrooms3 Beds
Full Baths2 Baths
Half Baths2 Half Baths
Total Rooms6 Rooms
Stories1 Story
Building Area1,215 sqft Living Area
1st Floor Area900 sqft
AtticAttic
Attic Area315 sqft
Basement Area900 sqft
Finished Basement400 sqft
Unfinished Basement900 sqft
Game RoomGame Room
FlooringCarpet
Interior WallsPlaster

Exterior

Year BuiltBuilt 1941
Effective Year BuiltEffective 1941
Exterior MaterialAluminum Siding
Construction TypeFrame
Roof TypeGable
Roof MaterialAsphalt
Lot Area26,572 sqft (0.61 acres)
Garage TypeDetached
Garage Area720 sqft
Parking Spaces3 Parking Spaces

Exterior Amenities

PorchSlab
Porch Area40 sqft
Deck Area324 sqft
Patio Area324 sqft
Shed1 Shed

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC

Location & Zoning

Street Address4907 TEXAS ST
CityWATERLOO
StateIA
Zip50702-4739
Property CategoryResidential
Property TypeResidential > Single Family > Rural Home
Legal DescriptionUNPLATTED WATERLOO WEST PART SE SE SEC 12 T 88 R 13 COM AT A PT ALONG CENTERLINE HWY 218 THAT IS 542.9' NWLY OF E LINE SAID
Legal Range13W
Legal Township88N
Legal Section12
Legal SubdivisionUNPLATTED WATERLOO WEST
JurisdictionBLACK HAWK IA
Township / Civil DivisionWATERLOO
Census Block Group1
Census Block1032
Census Tract2901

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on Record
Mailing Address4907 TEXAS ST, WATERLOO, IA 50702-4739
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last Transfer DateAug 27, 2020
Transfer Doc0000004326
Record UpdatedOct 29, 2026

April 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBLACK HAWK IA
Recording DateApr 6, 2026
Property Address4907 TEXAS ST, WATERLOO, IA 50702-4739
Document Number0000004617
Instrument DateApr 1, 2026
Instrument20264617
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address4907 TEXAS ST, WATERLOO, IA 50702-4739

Mortgage

Document Number0000004617,
DateApr 6, 2026
Instrument20264617
Lender
NameVERIDIAN CREDIT UNION
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate6%
Max Rate-1%

Tax Assessment & Valuation

Source: Black Hawk County assessment roll, as of October 17, 2025

Property Jurisdictions

TypeName
StateIowa
CountyBlack Hawk County
MunicipalityWaterloo City
Unified School DistrictWaterloo Community School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,060.00 (+2.08%) Homeowner's exemption$111,980 (+8.46%) Land $740 Building $111,240$111,980 (+8.46%) Land $740 Building $111,240
2024$2,018.00 (-0.59%)
2023$103,250 (+1.87%) Land $580 Building $102,670$103,250 (+1.87%) Land $580 Building $102,670
2022$2,030.00 Homeowner's exemption Additional exemption filed$101,350 Land $460 Building $100,890
2021$101,350 Land $460 Building $100,890

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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationVaries along the reach; see FIRM
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 49 policies
Nearby Flood Policies49 in force
Nearby Flood Claims118 (1978–2016)
Claims Outside the SFHA11 of 118
Most Recent ClaimSep 2016 · Severe Storms And Flooding
Claims by Event
  • Severe Storms And Flooding, Sep 2016 · 39 claims
  • Severe Storms, Flooding, And Tornadoes, Jul 2010 · 14 claims
  • Severe Storms, Tornadoes, And Flooding, Jun 2008 · 51 claims

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 RiskLow
lower than 96% of the US · lower than 71% of Iowa
Wildfire Likelihood0.02% annual chance
ExposureDirect
burnable vegetation

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 SystemWATERLOO WATER WORKS
serves 69,504 people · EPA ID IA0790074
Water SourceGroundwater
Last State InspectionNov 2023
Lead2 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 43 locations within half a mile, as of December 31, 2025

ProviderMax 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: AT&T, T-Mobile.

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