Black Hawk County property record for 522 Belle St, Waterloo, IA 50702
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,196 sqft · built 1962 |
| Lot Size | 0.583 acres (25,400 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,988 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 8812-07-177-005 |
| Primary APN | 8812-07-177-005 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,196 sqft Living Area |
| 1st Floor Area | 888 sqft |
| Basement Area | 1,196 sqft |
| Finished Basement | 400 sqft |
| 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 | 25,400 sqft (0.583 acres) |
| Lot Dimensions | 200 ft deep x 114 ft wide |
| Garage Type | Detached |
| Garage Area | 912 sqft |
| Parking Spaces | 4 Parking Spaces |
| Deck Area | 80 sqft |
|---|---|
| Patio Area | 240 sqft |
| Shed | 1 Shed |
| Shed Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 522 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 18 |
| Legal Range | 12W |
| Legal Township | 88N |
| Legal Section | 07 |
| Legal Subdivision | CEDAR TERRACE SECOND ADDITION |
| Legal Lot Number | 18 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 2901 |
522 Belle St is owned and occupied by two individuals.
Source: Black Hawk County records, as of September 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1505 E 2ND ST, MISSION, TX 78572-6396 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 522 Belle St was $3,988 with a homeowner's exemption, up 8.8% 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 | $3,988.00 (+8.84%) Homeowner's exemption | $195,450 Land $32,340 Building $163,110 | $195,450 Land $32,340 Building $163,110 |
| 2024 | $3,664.00 | ||
| 2023 | $192,850 (+24.17%) Land $32,340 Building $160,510 | $192,850 Land $32,340 Building $160,510 | |
| 2022 | $3,410.00 | $155,310 Land $32,340 Building $122,970 | |
| 2021 | $155,310 Land $32,340 Building $122,970 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 522 Belle St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 File 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.
Wildfire risk around 522 Belle St is low, with a 0.01% annual chance of 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 | 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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