526 Colby Rd, Waterloo, IA 50701 Property Records

Black Hawk County property record for 526 Colby Rd, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,144 sqft · built 1970
Lot Size	0.202 acres (8,806 sqft)
Owner	2 Individual Names on Record
Last Sale	$179,000 (Apr 2023)
Tax Bill	$3,760 (2025)
Deeds & Mortgages	May 2023 Line of Credit Apr 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`8813-04-253-007`

Property Details

APN / Parcel Number

Primary APN	`8813-04-253-007`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,144 sqft Living Area
1st Floor Area	1,144 sqft
Basement Area	1,144 sqft
Unfinished Basement	1,144 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	8,806 sqft (0.202 acres)
Lot Dimensions	119 ft deep x 74 ft wide
Garage Type	Attached
Garage Area	364 sqft
Parking Spaces	1 Parking Space
Patio Area	84 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	526 COLBY RD
City	WATERLOO
State	IA
Zip	50701-5108
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUTHGATE THIRD ADDITION LOT 60
Legal Range	13W
Legal Township	88N
Legal Section	04
Legal Subdivision	SOUTHGATE THIRD ADDITION
Legal Lot Number	60
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1018
Census Tract	1302

Owner

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

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 Record
Mailing Address	915 SUNRISE BLVD, WATERLOO, IA 50701-4951
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 18, 2023	Deed of Trust, Mortgage · Line of Credit NET 1 FUNDING CORP
Apr 18, 2023	Warranty Deed, Transfer TITLE SERVICES CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 18, 2023 · Amount on Record
Deed Sale	Apr 18, 2023 · Amount on Record
Deed Document Number	202314005
Prior Transfer Date	Jun 16, 2011
Prior Transfer Doc	2011023705
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	526 COLBY RD, WATERLOO, IA 50701-5108
Transaction Type	Mortgage
Record Updated	Jun 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202300015460
Date	May 18, 2023
Instrument	202300015460

Lender

Name	NET 1 FUNDING CORP
Type	Lending Institution
Address	WATERLOO, IA 50701

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 18, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 18, 2023
Property Address	526 COLBY RD, WATERLOO, IA 50701-5108
Document Number	202300014005
Instrument Date	Apr 18, 2023
Instrument	202300014005
Transaction Type	Transfer
Record Updated	May 5, 2023
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount Recorded
Tax	$285.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	526 COLBY RD, WATERLOO, IA 50701-5108

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	$3,760.00 (+6.94%)	$184,190 (+19.39%) Land $28,120 Building $156,070	$184,190 (+19.39%) Land $28,120 Building $156,070
2024	$3,516.00 (+43.28%)
2023		$154,270 (+24.43%) Land $28,120 Building $126,150	$154,270 (+24.43%) Land $28,120 Building $126,150
2022	$2,454.00 Homeowner's exemption	$123,980 Land $28,120 Building $95,860
2021			$123,980 Land $28,120 Building $95,860

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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 332 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 · Fiber in parts of the area	1,000 / 50
GigFire Fixed Wireless	150 / 130

May also be available: T-Mobile, Verizon.

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