510 Colby Rd, Waterloo, IA 50701 Property Records

Black Hawk County property record for 510 Colby Rd, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 804 sqft · built 1972
Lot Size	0.202 acres (8,806 sqft)
Owner	2 Individual Names on File
Last Sale	$200,000 (Nov 2022)
Tax Bill	$3,430 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8813-04-253-005`

Property Details

APN / Parcel Number

Primary APN	`8813-04-253-005`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	804 sqft Living Area
1st Floor Area	804 sqft
Basement Area	804 sqft
Finished Basement	625 sqft
Unfinished Basement	804 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Split Foyer
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,806 sqft (0.202 acres)
Lot Dimensions	119 ft deep x 74 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	200 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	510 COLBY RD
City	WATERLOO
State	IA
Zip	50701-5108
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUTHGATE THIRD ADDITION LOT 58
Legal Range	13W
Legal Township	88N
Legal Section	04
Legal Subdivision	SOUTHGATE THIRD ADDITION
Legal Lot Number	58
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1018
Census Tract	1302

Owner

510 Colby Rd is owned and occupied by two individuals who bought it in November 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	510 COLBY RD, WATERLOO, IA 50701-5108
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

Date	Document
Oct 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
Nov 16, 2021	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 16, 2022 · Amount on File
Deed Sale	Nov 16, 2022 · Amount on File
Prior Sale	Nov 16, 2021 · Amount on File
Deed Document Number	202210457
Prior Transfer Date	Aug 25, 2009
Prior Transfer Doc	2010005893
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	510 COLBY RD, WATERLOO, IA 50701-5108
Transaction Type	Mortgage
Record Updated	Jul 8, 2022
Title Company	TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	510 COLBY RD, WATERLOO, IA 50701-5108

Mortgage

Document Number	202100007079
Date	Oct 2, 2020
Instrument	202100007079

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 16, 2021
Property Address	510 COLBY RD, WATERLOO, IA 50701-5108
Document Number	202200010457
Instrument Date	Nov 5, 2021
Instrument	202200010457
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$319.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	510 COLBY RD, WATERLOO, IA 50701-5108

Mortgage

Document Number	202200010458
Date	Nov 16, 2021
Instrument	202200010458

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 5, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	Nov 5, 2031
Min Rate At Change	2%
Max Rate At Change	9.12%
Index	1-Year CMT
Max Rate	9.12%

Mortgage

Document Number	202200010459
Date	Nov 16, 2021
Instrument	202200010459

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	120 Months
Due	Nov 5, 2031

Tax Assessment & Valuation

The 2025 property tax bill for 510 Colby Rd was $3,430 with a homeowner's exemption, up 7.3% 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	$3,430.00 (+7.25%) Homeowner's exemption	$178,960 Land $28,120 Building $150,840	$178,960 Land $28,120 Building $150,840
2024	$3,198.00
2023		$157,640 (+24.61%) Land $28,120 Building $129,520	$157,640 Land $28,120 Building $129,520
2022	$2,584.00 Homeowner's exemption	$126,510 Land $28,120 Building $98,390
2021			$126,510 Land $28,120 Building $98,390

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

Flood

FEMA maps place 510 Colby Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 27, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 510 Colby Rd 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.

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 332 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 · Fiber in parts of the area	1,000 / 50
GigFire Fixed Wireless	150 / 130

May also be available: T-Mobile, Verizon.

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