511 Ricker St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 511 Ricker St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 756 sqft · built 1939
Lot Size	0.161 acres (7,000 sqft)
Owner	Company Name on File
Last Sale	$56,000 (Dec 2024)
Tax Bill	$1,082 (2025)
Deeds & Mortgages	Jan 2025 Line of Credit Mar 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-13-453-009`

Property Details

APN / Parcel Number

Primary APN	`8913-13-453-009`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	756 sqft Living Area
1st Floor Area	560 sqft
Attic	Attic
Attic Area	196 sqft
Basement Area	560 sqft
Unfinished Basement	560 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,000 sqft (0.161 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	511 RICKER ST
City	WATERLOO
State	IA
Zip	50703-2679
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PEEKS SECOND ADDITION LOT 3 BLK 5
Legal Range	13W
Legal Township	89N
Legal Section	13
Legal Subdivision	PEEKS SECOND ADDITION
Legal Block	5
Legal Lot Number	3
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2010
Census Tract	1701

Owner

511 Ricker St is owned by a company that bought it in December 2024.

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

Owner of Record	Company Name on File
Mailing Address	1505 KELLIE AVE SW, INDEPENDENCE, IA 50644-9615
Owner Type	Company
Vesting	Limited Liability Partnership

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
Jan 22, 2025	Correction Deed · Line of Credit DENVER SAVINGS BANK
Mar 9, 2023	Warranty Deed, Transfer · Commercial Mortgage DENVER SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 20, 2024 · Amount on File
Deed Sale	Dec 20, 2024 · Amount on File
Prior Sale	Mar 9, 2023 · Amount on File
Deed Document Number	202425149
Prior Transfer Date	Dec 19, 2024
Prior Transfer Doc	0202500933
Record Updated	Oct 29, 2026

January 2025: Correction Deed

Document Type	Correction Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jan 22, 2025
Property Address	511 RICKER ST, WATERLOO, IA 50703-2679
Document Number	0202500933
Instrument Date	Dec 19, 2024
Instrument	2025-00933
Record Updated	Oct 21, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1505 KELLIE AVE SW, INDEPENDENCE, IA 50644-9615
Investor	Possibly a Property Investor

Mortgage

Document Number	0202501078
Date	Jan 22, 2025
Instrument	2025-01078

Lender

Name	DENVER SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 23, 2055

Interest

Change Frequency	Monthly

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Mar 9, 2023
Property Address	511 RICKER ST, WATERLOO, IA 50703-2679
Document Number	202300012313
Instrument Date	Mar 8, 2023
Instrument	202300012313
Transaction Type	Transfer
Record Updated	Mar 24, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$89.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1931 260TH ST, DENVER, IA 50622-1054

Mortgage

Document Number	202300012314
Date	Mar 9, 2023
Instrument	202300012314

Lender

Name	DENVER SAVINGS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 8, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 511 Ricker St was $1,082, up 11.3% 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	$1,082.00 (+11.32%)	$53,020 Land $6,250 Building $46,770	$53,020 Land $6,250 Building $46,770
2024	$972.00
2023		$44,770 (+35.96%) Land $6,250 Building $38,520	$44,770 Land $6,250 Building $38,520
2022	$951.00	$32,930 Land $6,250 Building $26,680
2021			$32,930 Land $6,250 Building $26,680

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

Flood

FEMA maps place 511 Ricker St in Zone X, an area of minimal flood risk.

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
Nearby Flood Policies	1 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.

Wildfire

The area around 511 Ricker 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.

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 365 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

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