Black Hawk County property record for 520 Belle St, Waterloo, IA 50702
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,650 sqft · built 1962 |
| Lot Size | 0.55 acres (23,940 sqft) |
| Owner | 2 Company Names on Record |
| Tax Bill | $5,666 (2025) |
| Deeds & Mortgages | May 2019 Refinance Mar 2011 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 8812-07-177-004 |
| Primary APN | 8812-07-177-004 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,650 sqft Living Area |
| 1st Floor Area | 936 sqft |
| Basement Area | 1,338 sqft |
| Finished Basement | 675 sqft |
| Unfinished Basement | 1,338 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 23,940 sqft (0.55 acres) |
| Lot Dimensions | 190 ft deep x 114 ft wide |
| Garage Type | Mixed |
| Garage Area | 1,510 sqft |
| Parking Spaces | 6 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 302 sqft |
| Deck Area | Deck Area |
| Patio Area | 320 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 520 BELLE ST |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50702-4611 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CEDAR TERRACE SECOND ADDITION LOT 17 |
| Legal Range | 12W |
| Legal Township | 88N |
| Legal Section | 07 |
| Legal Subdivision | CEDAR TERRACE SECOND ADDITION |
| Legal Lot Number | 17 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 2901 |
Source: Black Hawk County records, as of May 27, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 520 BELLE ST, WATERLOO, IA 50702-4611 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| May 13, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance LINCOLN SAVINGS BANK |
| Mar 28, 2011 | Deed of Trust, Mortgage · Line of Credit VERIDIAN CU |
| Oct 20, 2010 | Deed of Trust, Mortgage · Conventional Mortgage DEERE EMPLOYEES CU |
| Feb 18, 2005 | Deed of Trust, Mortgage · Line of Credit JOHN DEERE COMMUNITY CU |
| Jan 30, 2026 | Intrafamily Transfer, Transfer |
| Sep 16, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage LINCOLN SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jan 23, 2026 |
| Transfer Doc | 0202601333 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 520 BELLE ST, WATERLOO, IA 50702-4611 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2026 |
| Name | Verified Name |
|---|
| Document Number | 201900016788 |
|---|---|
| Date | May 13, 2019 |
| Instrument | 201900016788 |
| Name | LINCOLN SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jun 1, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 520 BELLE ST, WATERLOO, IA 50702-4611 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2026 |
| Name | Verified Name |
|---|
| Document Number | 2011018574 |
|---|---|
| Date | Mar 28, 2011 |
| Instrument | 2011018574 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | WATERLOO, IA 50704 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Mar 23, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 520 BELLE ST, WATERLOO, IA 50702-4611 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2026 |
| Title Company | TITLE SERVICE |
| Name | Verified Name |
|---|
| Document Number | 2011007876 |
|---|---|
| Date | Oct 20, 2010 |
| Instrument | 2011007876 |
| Name | DEERE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | MOLINE, IL 61266 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 1, 2025 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 520 BELLE ST, WATERLOO, IA 50702-4611 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2026 |
| Title Company | BLACK HAWK COUNTY ABSTRACT, BLACK HAWK COUNTY ABSTRACT C |
| Name | Verified Name |
|---|
| Document Number | 2005019427 |
|---|---|
| Date | Feb 18, 2005 |
| Instrument | 2005019427 |
| Name | JOHN DEERE COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | WATERLOO, IA 50704 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Feb 17, 2030 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Jan 30, 2026 |
| Property Address | 520 BELLE ST, WATERLOO, IA 50702-4611 |
| Document Number | 0202601333 |
| Instrument Date | Jan 23, 2026 |
| Instrument | 2026-01333 |
| Transaction Type | Transfer |
| Record Updated | Feb 9, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 520 BELLE ST, WATERLOO, IA 50702-4611 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Sep 16, 2020 |
| Property Address | 520 BELLE ST, WATERLOO, IA 50702-4611 |
| Document Number | 202100005829 |
| Instrument Date | Sep 8, 2020 |
| Instrument | 202100005829 |
| Transaction Type | Transfer |
| Record Updated | Feb 9, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 520 BELLE ST, WATERLOO, IA 50702-4611 |
| Document Number | 202100005830 |
|---|---|
| Date | Sep 16, 2020 |
| Instrument | 202100005830 |
| Name | LINCOLN SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
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 | $5,666.00 Homeowner's exemption | $283,080 (+1.14%) Land $31,580 Building $251,500 | $283,080 (+1.14%) Land $31,580 Building $251,500 |
| 2024 | $5,666.00 (+21.9%) | ||
| 2023 | $279,880 (+26.91%) Land $31,580 Building $248,300 | $279,880 (+26.91%) Land $31,580 Building $248,300 | |
| 2022 | $4,648.00 Homeowner's exemption | $220,530 Land $31,580 Building $188,950 | |
| 2021 | $220,530 Land $31,580 Building $188,950 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 49 policies |
| Nearby Flood Policies | 49 in force |
| Nearby Flood Claims | 118 (1978–2016) |
| Claims Outside the SFHA | 11 of 118 |
| Most Recent Claim | Sep 2016 · Severe Storms And Flooding |
| Claims by Event |
|
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.
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 | 0.01% annual chance |
| Exposure | None beyond 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 30 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 | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
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