5415 Gilbertville Rd, Waterloo, IA 50701 Property Records

Black Hawk County property record for 5415 Gilbertville Rd, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,146 sqft · built 1947
Lot Size	0.42 acres (18,295 sqft)
Owner	2 Individual Names on Record
Last Sale	$34,000 (Mar 2022)
Tax Bill	$1,962 (2025)
Deeds & Mortgages	May 2018 Line of Credit Feb 2013 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`8812-22-276-010`

Property Details

APN / Parcel Number

Primary APN	`8812-22-276-010`
Alternative APN	`8812-22-276-059`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,146 sqft Living Area
1st Floor Area	1,006 sqft
Basement Area	1,006 sqft
Finished Basement	200 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	18,295 sqft (0.42 acres)
Garage Type	Detached
Garage Area	280 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	56 sqft
Shed	1 Shed
Shed Area	272 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Old Parcel Number	8812-22-276-010
Street Address	5415 GILBERTVILLE RD
City	WATERLOO
State	IA
Zip	50701-9176
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MC STAY AND CHAMPLINS PLAT SUBDIV OF GOVT LOT 1 IN SEC 22 T 88 R 12 PART LOT 1 COM AT NE COR LOT 1 TH W 300 FT TH SLY 150 FT
Legal Range	12W
Legal Township	88N
Legal Section	22
Legal Subdivision	MC STAY AND CHAMPLINS PLAT
Legal Lot Number	1
Jurisdiction	BLACK HAWK IA
Township / Civil Division	POYNER
Census Block Group	4
Census Block	4012
Census Tract	2700

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	2 Individual Names on Record
Mailing Address	5415 GILBERTVILLE RD, WATERLOO, IA 50701-9176
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 29, 2018	Deed of Trust, Mortgage · Line of Credit VERIDIAN CREDIT UNION
Feb 13, 2013	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
Mar 9, 2010	Deed of Trust, Mortgage · Conventional Mortgage BANKIOWA
Mar 1, 2010	Deed of Trust, Mortgage · Conventional Mortgage BANKIOWA
Jun 19, 2006	Legal Action/Court Order, Foreclosure · Conventional Mortgage REGIONS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2022 · Amount on Record
Deed Sale	Mar 31, 2022 · Amount on Record
Prior Sale	Jun 19, 2006 · Amount on Record
Deed Document Number	202219132
Prior Transfer Date	Jun 5, 2006
Prior Transfer Doc	2006030154
Record Updated	Sep 20, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	5415 GILBERTVILLE RD, WATERLOO, IA 50701-9176
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800019403
Date	May 29, 2018
Instrument	201800019403

Lender

Name	VERIDIAN CREDIT UNION
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	296 Months
Due	Jan 1, 2043

February 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	5415 GILBERTVILLE RD, WATERLOO, IA 50701-9176
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2013016928
Date	Feb 13, 2013
Instrument	2013016928

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2043

March 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	5415 GILBERTVILLE RD, WATERLOO, IA 50701-9176
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK COUNTY ABSTRACT &

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2010016684
Date	Mar 9, 2010
Instrument	2010016684

Lender

Name	BANKIOWA
Address	WATERLOO, IA 50702

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2040

March 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	5415 GILBERTVILLE RD, WATERLOO, IA 50701-9176
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK COUNTY ABSTRACT &

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2010016170
Date	Mar 1, 2010
Instrument	2010016170

Lender

Name	BANKIOWA
Address	WATERLOO, IA 50702

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2040

June 2006: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 19, 2006
Property Address	5415 GILBERTVILLE RD, WATERLOO, IA 50701-9176
Document Number	2006030154
Map Reference	MBT PG307
Instrument Date	Jun 5, 2006
Instrument	2006030154
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$127.20
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	5415 GILBERTVILLE RD, WATERLOO, IA 50701-9176

Mortgage

Document Number	2006030155
Date	Jun 19, 2006
Instrument	2006030155

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 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
Unified School District	Waterloo Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,962.00 Homeowner's exemption	$175,480 (+13.36%) Land $44,500 Building $130,980	$175,480 (+13.36%) Land $44,500 Building $130,980
2024	$1,962.00 (+32.03%)
2023		$154,800 (+31.04%) Land $35,860 Building $118,940	$154,800 (+31.04%) Land $35,860 Building $118,940
2022	$1,486.00 Homeowner's exemption	$118,130 Land $28,690 Building $89,440
2021			$118,130 Land $28,690 Building $89,440

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	16 (1990–2016)
Claims Outside the SFHA	2 of 16
Most Recent Claim	Sep 2016 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2016 · 2 claims Severe Storms, Tornadoes, And Flooding, Jun 2008 · 3 claims Severe Storms & Flooding, Aug 1993 · 8 claims

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 97% of the US · lower than 76% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 139 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Alpine Communications Fiber	500 / 500
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130

May also be available: Heartland Technology.

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