Black Hawk County property record for 514 Archer Ave, Waterloo, IA 50703
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,205 sqft · built 1909 |
| Lot Size | 0.196 acres (8,520 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $130,000 (Dec 2024) |
| Tax Bill | $1,288 (2025) |
| Deeds & Mortgages | Dec 2024 Second Mortgage Dec 2024 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 8912-30-156-003 |
| Primary APN | 8912-30-156-003 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,205 sqft Living Area |
| 1st Floor Area | 576 sqft |
| Attic | Attic |
| Attic Area | 317 sqft |
| Basement Area | 576 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1909 |
|---|---|
| Effective Year Built | Effective 1909 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,520 sqft (0.196 acres) |
| Lot Dimensions | 142 ft deep x 60 ft wide |
| Garage Type | Detached |
| Garage Area | 280 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
|---|---|
| Porch Area | 176 sqft |
| Deck Area | 140 sqft |
| Patio Area | 216 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 514 ARCHER AVE |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50703-5120 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LINDEN PLACE LOT 3 BLK 8 |
| Legal Range | 12W |
| Legal Township | 89N |
| Legal Section | 30 |
| Legal Subdivision | LINDEN PLACE |
| Legal Block | 8 |
| Legal Lot Number | 3 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 800 |
514 Archer Ave is owned and occupied by two individuals who bought it in December 2024.
Source: Black Hawk County records, as of September 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 514 ARCHER AVE, WATERLOO, IA 50703-5120 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 23, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage VERIDIAN CU |
| Dec 23, 2024 | Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 23, 2024 · Amount on File |
| Deed Sale | Dec 23, 2024 · Amount on File |
| Prior Sale | Mar 12, 2009 · Amount on File |
| Deed Document Number | 202425284 |
| Prior Transfer Date | May 14, 2008 |
| Prior Transfer Doc | 2008023138 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 514 ARCHER AVE, WATERLOO, IA 50703-5120 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0202425286 |
|---|---|
| Date | Dec 23, 2024 |
| Instrument | 2024-25286 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | 1827 ANSBOROUGH AVE, WATERLOO, IA 50701 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Jan 1, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Dec 23, 2024 |
| Property Address | 514 ARCHER AVE, WATERLOO, IA 50703-5120 |
| Document Number | 0202425284 |
| Instrument Date | Dec 20, 2024 |
| Instrument | 2024-25284 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2025 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $207.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 514 ARCHER AVE, WATERLOO, IA 50703-5120 |
| Document Number | 0202425285 |
|---|---|
| Date | Dec 23, 2024 |
| Instrument | 2024-25285 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.12% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jan 1, 2035 |
| Change Frequency | Annually |
| Min Rate At Change | 5.12% |
| Max Rate At Change | 9.12% |
| Index | 1-Year CMT |
| Max Rate | 13.1% |
The 2025 property tax bill for 514 Archer Ave was $1,288 with a homeowner's exemption, up 89.4% 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 | $1,288.00 (+89.41%) Homeowner's exemption | $63,090 Land $9,600 Building $53,490 | $63,090 Land $9,600 Building $53,490 |
| 2024 | $680.00 | ||
| 2023 | $55,310 (+14.8%) Land $9,600 Building $45,710 | $55,310 Land $9,600 Building $45,710 | |
| 2022 | $864.00 Homeowner's exemption | $48,180 Land $9,600 Building $38,580 | |
| 2021 | $48,180 Land $9,600 Building $38,580 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 514 Archer Ave in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1978.
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 | 2 in force |
| Nearby Flood Claims | 5 (1978–2013) |
| Claims Outside the SFHA | 3 of 5 |
| Most Recent Claim | May 2013 · river or lake flooding |
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 514 Archer Ave 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 571 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 |
May also be available: GigFire, Nextlink, Waterloo Fiber.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures