Black Hawk County property record for 5845 Cactus Ln, Waterloo, IA 50701
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,144 sqft · built 1980 |
| Lot Size | 0.224 acres (9,750 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $300,000 (Mar 2025) |
| Tax Bill | $4,526 (2025) |
| Deeds & Mortgages | Mar 2025 Sale & Mortgage Oct 2022 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 8813-13-481-010 |
| Primary APN | 8813-13-481-010 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,144 sqft Living Area |
| 1st Floor Area | 1,144 sqft |
| Basement Area | 1,144 sqft |
| Finished Basement | 800 sqft |
| Unfinished Basement | 1,144 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 9,750 sqft (0.224 acres) |
| Lot Dimensions | 130 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 1,014 sqft |
| Parking Spaces | 4 Parking Spaces |
| Patio Area | 480 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 5845 CACTUS LN |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50701-9413 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WESTDALE LOT 73 |
| Legal Range | 13W |
| Legal Township | 88N |
| Legal Section | 13 |
| Legal Subdivision | WESTDALE |
| Legal Lot Number | 73 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 3001 |
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 | 5845 CACTUS LN, WATERLOO, IA 50701-9413 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Mar 31, 2025 | Deed, Transfer · VA Mortgage COMMUNITY FIRST NATIONAL BANK |
| Oct 21, 2022 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) GREENSTATE CU |
| Oct 21, 2022 | Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU |
| Oct 21, 2022 | Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU |
| Jan 6, 2021 | Warranty Deed, Transfer · Conventional Mortgage DEERE EMPLOYEES CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 31, 2025 · Amount on Record |
| Deed Sale | Mar 31, 2025 · Amount on Record |
| Prior Sale | Oct 21, 2023 · Amount on Record |
| Deed Document Number | 20254148 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Mar 31, 2025 |
| Property Address | 5845 CACTUS LN, WATERLOO, IA 50701-9413 |
| Document Number | 0202504148 |
| Instrument Date | Mar 28, 2025 |
| Instrument | 2025-04148 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2025 |
| Title Company | BLACK HAWK COUNTY ABSTRACT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $479.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 5845 CACTUS LN, WATERLOO, IA 50701-9413 |
| Document Number | 0202504149 |
|---|---|
| Date | Mar 31, 2025 |
| Instrument | 2025-04149 |
| Name | COMMUNITY FIRST NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 5845 CACTUS LN, WATERLOO, IA 50701-9413 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2023 |
| Name | Verified Name |
|---|
| Document Number | 202300006588 |
|---|---|
| Date | Oct 21, 2022 |
| Instrument | 202300006588 |
| Name | GREENSTATE CU |
|---|---|
| Type | Credit Union |
| Address | NORTH LIBERTY, IA 52317 |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 5, 2037 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Oct 21, 2022 |
| Property Address | 5845 CACTUS LN, WATERLOO, IA 50701-9413 |
| Document Number | 202300006586 |
| Instrument Date | Oct 12, 2022 |
| Instrument | 202300006586 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $431.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5845 CACTUS LN, WATERLOO, IA 50701-9413 |
| Document Number | 202300006587 |
|---|---|
| Date | Oct 21, 2022 |
| Instrument | 202300006587 |
| Name | GREENSTATE CU |
|---|---|
| Type | Credit Union |
| Address | NORTH LIBERTY, IA 52317 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Oct 21, 2022 |
| Property Address | 5845 CACTUS LN, WATERLOO, IA 50701-9413 |
| Document Number | 202300006586 |
| Instrument Date | Oct 12, 2022 |
| Instrument | 202300006586 |
| Transaction Type | Transfer |
| Record Updated | Oct 17, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $431.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5845 CACTUS LN, WATERLOO, IA 50701-9413 |
| Document Number | 202300006587 |
|---|---|
| Date | Oct 21, 2022 |
| Instrument | 202300006587 |
| Name | GREENSTATE CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Jan 6, 2021 |
| Property Address | 5845 CACTUS LN, WATERLOO, IA 50701-9413 |
| Document Number | 202100014126 |
| Instrument Date | Dec 5, 2020 |
| Instrument | 202100014126 |
| Transaction Type | Transfer |
| Record Updated | Oct 17, 2025 |
| Title Company | BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK CNTY ABSTRACT CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $324.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 5845 CACTUS LN, WATERLOO, IA 50701-9413 |
| Document Number | 202100014127 |
|---|---|
| Date | Jan 6, 2021 |
| Instrument | 202100014127 |
| Name | DEERE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jan 1, 2041 |
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 | $4,526.00 (+7.15%) Homeowner's exemption | $256,260 (+20.51%) Land $27,560 Building $228,700 | $256,260 (+20.51%) Land $27,560 Building $228,700 |
| 2024 | $4,224.00 (+6.94%) | ||
| 2023 | $212,640 (+18.22%) Land $27,560 Building $185,080 | $212,640 (+18.22%) Land $27,560 Building $185,080 | |
| 2022 | $3,950.00 | $179,870 Land $27,560 Building $152,310 | |
| 2021 | $179,870 Land $27,560 Building $152,310 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (2013) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 2013 |
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 99.1% of the US · lower than 91% 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.
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 216 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 |
| Verizon Fixed Wireless | 300 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
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