511 Hillcrest Rd, Waterloo, IA 50701 Property Records

Black Hawk County property record for 511 Hillcrest Rd, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,068 sqft · built 1974
Lot Size	0.205 acres (8,925 sqft)
Owner	Individual Name on Record
Tax Bill	$4,906 (2025)
Deeds & Mortgages	Jan 2020 Mortgage Apr 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`8813-04-253-014`

Property Details

APN / Parcel Number

Primary APN	`8813-04-253-014`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	1,068 sqft Living Area
1st Floor Area	1,068 sqft
Basement Area	1,068 sqft
Finished Basement	925 sqft
Unfinished Basement	1,068 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Split Foyer
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,925 sqft (0.205 acres)
Lot Dimensions	119 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Deck Area	196 sqft
Patio Area	448 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	511 HILLCREST RD
City	WATERLOO
State	IA
Zip	50701-5017
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUTHGATE FIRST ADDITION LOT 40 EXC SLY 13 FT LOT 41 EXC NLY 42 FT
Legal Range	13W
Legal Township	88N
Legal Section	04
Legal Subdivision	SOUTHGATE FIRST ADDITION
Legal Lot Number	40,41
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1018
Census Tract	1302

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	511 HILLCREST RD, WATERLOO, IA 50701-5017
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 3, 2020	Deed of Trust, Mortgage · Balloon Mortgage VERIDIAN CREDIT UNION
Apr 21, 2021	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	511 HILLCREST RD, WATERLOO, IA 50701-5017
Transaction Type	Mortgage
Record Updated	Jul 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20202000011972
Date	Jan 3, 2020
Instrument	20202000011972

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	511 HILLCREST RD, WATERLOO, IA 50701-5017
Transaction Type	Mortgage
Record Updated	Jul 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 HILLCREST RD, WATERLOO, IA 50701-5017

Mortgage

Document Number	202100022066
Date	Apr 21, 2021
Instrument	202100022066

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 20, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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	$4,906.00 (+8.59%)	$240,380 (+15.45%) Land $28,500 Building $211,880	$240,380 (+15.45%) Land $28,500 Building $211,880
2024	$4,518.00 (+20.29%)
2023		$208,220 (+21.74%) Land $28,500 Building $179,720	$208,220 (+21.74%) Land $28,500 Building $179,720
2022	$3,756.00 Homeowner's exemption	$171,040 Land $28,500 Building $142,540
2021			$171,040 Land $28,500 Building $142,540

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

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

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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