Black Hawk County property record for 505 W 4th St, Waterloo, IA 50701
| Property Type | Professional Building (Legal, Insurance, Real Estate, Business) |
|---|---|
| Details | 1,200 sqft · built 1936 |
| Lot Size | 0.275 acres (12,000 sqft) |
| Owner | Company Name on File |
| Tax Bill | $1,932 (2025) |
| Deeds & Mortgages | Sep 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 8913-26-281-002 |
| Primary APN | 8913-26-281-002 |
|---|
| Stories | 1 Story |
|---|---|
| Building Area | 1,200 sqft Gross Area |
| 1st Floor Area | 1,200 sqft |
| Basement Area | 520 sqft |
| Unfinished Basement | 520 sqft |
| Flooring | Carpet |
| Interior Walls | Paneling |
| Year Built | Built 1936 |
|---|---|
| Effective Year Built | Effective 1936 |
| Exterior Material | Brick |
| Construction Type | Concrete Block |
| Fire Resistance | Wood or Wood & Steel Frame |
| Roof Material | Rolled Roofing |
| Lot Area | 12,000 sqft (0.275 acres) |
| Lot Dimensions | 120 ft deep x 100 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 505 W 4TH ST |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50701-1554 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Professional Building (Legal, Insurance, Real Estate, Business) |
| Legal Description | ORIGINAL PLAT WATERLOO WEST SW 100 FT LOT 4 BLK 31 SW 100 FT LOT 5 BLK 31 |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 26 |
| Legal Subdivision | ORIGINAL PLAT WATERLOO WEST |
| Legal Block | 31 |
| Legal Lot Number | 4,5 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 200 |
505 W 4th St, a commercial property, is owned by a company.
Source: Black Hawk County records, as of September 1, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 2117 FALLS AVE, WATERLOO, IA 50701-2256 |
| Owner Type | Company |
| Vesting | Company |
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 |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 505 W 4TH ST, WATERLOO, IA 50701-1554 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 202300003826 |
|---|---|
| Date | Sep 1, 2022 |
| Instrument | 202300003826 |
| Name | FARMERS STATE BANK |
|---|---|
| Type | Bank |
| Address | WATERLOO, IA 50701 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 31, 2052 |
The 2025 property tax bill for 505 W 4th St was $1,932, down 17% 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 | $1,932.00 (-17.01%) | $70,000 Land $30,000 Building $40,000 | $70,000 Land $30,000 Building $40,000 |
| 2024 | $2,328.00 | ||
| 2023 | $70,000 (+35.58%) Land $30,000 Building $40,000 | $70,000 Land $30,000 Building $40,000 | |
| 2022 | $1,134.00 | $51,630 Land $24,000 Building $27,630 | |
| 2021 | $51,630 Land $24,000 Building $27,630 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 505 W 4th St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AO, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
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.
The area around 505 W 4th St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 385 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 |
May also be available: AT&T, GigFire, Nextlink, T-Mobile, Verizon.
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