540 Prospect Blvd, Waterloo, IA 50701 Property Records

Black Hawk County property record for 540 Prospect Blvd, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 4,213 sqft · built 1919
Lot Size	0.808 acres (35,183 sqft)
Owner	Individual Name on Record
Tax Bill	$11,502 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-34-256-013`

Property Details

APN / Parcel Number

Primary APN	`8913-34-256-013`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	3 Half Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,213 sqft Living Area
1st Floor Area	1,148 sqft
Attic	Attic
Attic Area	517 sqft
Basement Area	1,720 sqft
Finished Basement	1,100 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1919
Effective Year Built	Effective 1919
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	35,183 sqft (0.808 acres)
Lot Dimensions	233 ft deep x 150 ft wide
Garage Type	Detached
Garage Area	880 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	60 sqft
Deck Area	132 sqft
Patio Area	404 sqft
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	540 PROSPECT BLVD
City	WATERLOO
State	IA
Zip	50701-3916
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PROSPECT HILLS ADDITION LOT 118
Legal Range	13W
Legal Township	89N
Legal Section	34
Legal Subdivision	PROSPECT HILLS ADDITION
Legal Lot Number	118
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	4
Census Block	4023
Census Tract	1400

Owner

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	Individual Name on Record
Mailing Address	712 SYCAMORE ST, WATERLOO, IA 50703-4728
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage FARMERS STATE BANK
Aug 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage FARMERS STATE BANK
Aug 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage FARMERS STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Oct 19, 2006
Transfer Doc	2007009809
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	540 PROSPECT BLVD, WATERLOO, IA 50701-3916
Transaction Type	Mortgage
Record Updated	Jan 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200013152
Date	Dec 27, 2021
Instrument	202200013152

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	177 Months
Due	Sep 1, 2036

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	540 PROSPECT BLVD, WATERLOO, IA 50701-3916
Transaction Type	Mortgage
Record Updated	Aug 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200003567
Date	Aug 16, 2021
Instrument	202200003567

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2036

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	540 PROSPECT BLVD, WATERLOO, IA 50701-3916
Transaction Type	Mortgage
Record Updated	Aug 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200003031
Date	Aug 10, 2021
Instrument	202200003031

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2036

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	$11,502.00 Homeowner's exemption	$564,490 (+4.45%) Land $65,270 Building $499,220	$564,490 (+4.45%) Land $65,270 Building $499,220
2024	$11,502.00 (+22.62%)
2023		$540,420 (+23.95%) Land $65,270 Building $475,150	$540,420 (+23.95%) Land $65,270 Building $475,150
2022	$9,380.00 Homeowner's exemption	$436,000 Land $68,700 Building $367,300
2021			$436,000 Land $68,700 Building $367,300

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

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 359 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

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