512 Sunset Rd, Waterloo, IA 50701 Property Records

Black Hawk County property record for 512 Sunset Rd, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,844 sqft · built 1930
Lot Size	0.228 acres (9,937 sqft)
Owner	2 Individual Names on File
Last Sale	$200,000 (Apr 2016)
Tax Bill	$4,646 (2025)
Deeds & Mortgages	Dec 2023 Mortgage Aug 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-34-176-011`

Property Details

APN / Parcel Number

Primary APN	`8913-34-176-011`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	4 Half Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,844 sqft Living Area
1st Floor Area	832 sqft
Basement Area	832 sqft
Finished Basement	275 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,937 sqft (0.228 acres)
Lot Dimensions	159 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	264 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	48 sqft
Deck Area	460 sqft
Patio Area	460 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	512 SUNSET RD
City	WATERLOO
State	IA
Zip	50701-3930
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PROSPECT HILLS ADDITION NE 50 FT LOT 178 PART OF LOT 177 COM AT SWLY COR LOT 177 TH NELY ALONG NWLY LINE SUNSET RD 25 FT TH
Legal Range	13W
Legal Township	89N
Legal Section	34
Legal Subdivision	PROSPECT HILLS ADDITION
Legal Lot Number	177,178
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	4
Census Block	4024
Census Tract	1400

Owner

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

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

Owner of Record	2 Individual Names on File
Mailing Address	512 SUNSET RD, WATERLOO, IA 50701-3930
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2023	Deed of Trust, Mortgage BANK IOWA
Aug 31, 2022	Deed of Trust, Mortgage · Conventional Mortgage BANKIOWA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 25, 2016 · Amount on Record
Deed Sale	Apr 25, 2016 · Amount on Record
Prior Sale	Mar 2, 2012 · Amount on Record
Deed Document Number	201617898
Record Updated	Sep 20, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	512 SUNSET RD, WATERLOO, IA 50701-3930
Transaction Type	Mortgage
Record Updated	Jan 8, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	512 SUNSET RD, WATERLOO, IA 50701-3930

Mortgage

Document Number	202400008322
Date	Dec 27, 2023
Instrument	202400008322

Lender

Name	BANK IOWA
Type	Bank
Address	330 E 4TH ST, WATERLOO, IA 50703

Agreement

Amount	Amount Recorded

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	512 SUNSET RD, WATERLOO, IA 50701-3930
Transaction Type	Mortgage
Record Updated	Sep 15, 2022
Title Company	BLACK HAWK CNTY ABSTRACT CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202300003758
Date	Aug 31, 2022
Instrument	202300003758

Lender

Name	BANKIOWA
Type	Bank
Address	INDEPENDENCE, IA 50644

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Sep 1, 2029
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6.25%
Index	1-Year CMT
Max Rate	10.2%

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	$4,646.00 Homeowner's exemption	$234,990 (+4.71%) Land $27,730 Building $207,260	$234,990 (+4.71%) Land $27,730 Building $207,260
2024	$4,646.00 (+17.62%)
2023		$224,420 (+18.89%) Land $27,730 Building $196,690	$224,420 (+18.89%) Land $27,730 Building $196,690
2022	$3,950.00 Homeowner's exemption	$188,770 Land $27,730 Building $161,040
2021			$188,770 Land $27,730 Building $161,040

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 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 82% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Waterloo Telecommunications Utility Fiber	10,000 / 10,000
Metronet Holdings Fiber	5,120 / 5,120
Mediacom Communications Cable	1,000 / 50
LTD Broadband Fixed Wireless	150 / 130
T-Mobile USA Fixed Wireless	100 / 20

May also be available: AMG Technology Investment Group, Verizon.

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