Black Hawk County property record for 5846 Cactus Ln, Waterloo, IA 50701
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,040 sqft · built 1979 |
| Lot Size | 0.215 acres (9,375 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $3,886 (2025) |
| Deeds & Mortgages | Feb 2017 Mortgage Nov 2021 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 8813-13-480-007 |
| Primary APN | 8813-13-480-007 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,040 sqft Living Area |
| 1st Floor Area | 1,040 sqft |
| Basement Area | 1,040 sqft |
| Finished Basement | 450 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Exterior Material | Composition/Composite |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,375 sqft (0.215 acres) |
| Lot Dimensions | 125 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 784 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 16 sqft |
| Deck Area | 409 sqft |
| Patio Area | 252 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 5846 CACTUS LN |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50701-9413 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WESTDALE LOT 84 |
| Legal Range | 13W |
| Legal Township | 88N |
| Legal Section | 13 |
| Legal Subdivision | WESTDALE |
| Legal Lot Number | 84 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 3001 |
5846 Cactus Ln is owner-occupied and held in a trust since January 2018.
Source: Black Hawk County records, as of September 1, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 5846 CACTUS LN, WATERLOO, IA 50701-9413 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 2, 2017 | Deed of Trust, Mortgage · Commercial Mortgage DUPACO COMMUNITY CU |
| Nov 10, 2021 | Deed of Trust, Mortgage · Line of Credit DUPACO COMMUNITY CU |
| Jul 3, 2025 | Deed of Trust, Mortgage · Line of Credit DUPACO COMMUNITY CU |
| Feb 12, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jan 25, 2018 |
| Transfer Doc | 0000013246 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 5846 CACTUS LN, WATERLOO, IA 50701-9413 |
| Transaction Type | Mortgage |
| Record Updated | Oct 17, 2025 |
| Name | Verified Name |
|---|
| Document Number | 201700013932 |
|---|---|
| Date | Feb 2, 2017 |
| Instrument | 2017-00013932 |
| Name | DUPACO COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | DUBUQUE, IA 52004 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Feb 2, 2027 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 5846 CACTUS LN, WATERLOO, IA 50701-9413 |
| Transaction Type | Mortgage |
| Record Updated | Oct 17, 2025 |
| Name | Verified Name |
|---|
| Document Number | 202200010198 |
|---|---|
| Date | Nov 10, 2021 |
| Instrument | 202200010198 |
| Name | DUPACO COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | DUBUQUE, IA 52001 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Oct 15, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 5846 CACTUS LN, WATERLOO, IA 50701-9413 |
| Transaction Type | Mortgage |
| Record Updated | Oct 17, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0202509565 |
|---|---|
| Date | Jul 3, 2025 |
| Instrument | 2025-09565 |
| Name | DUPACO COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | 1000 JACKSON ST, DUBUQUE, IA 52001 |
| Type | Line of Credit |
|---|---|
| Term | 300 Months |
| Due | Jul 3, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Feb 12, 2018 |
| Property Address | 5846 CACTUS LN, WATERLOO, IA 50701-9413 |
| Document Number | 201800013246 |
| Instrument Date | Jan 25, 2018 |
| Instrument | 201800013246 |
| Transaction Type | Transfer |
| Record Updated | Oct 17, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5846 CACTUS LN, WATERLOO, IA 50701-9413 |
The 2025 property tax bill for 5846 Cactus Ln was $3,886 with a homeowner's exemption, up 18.9% 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 | $3,886.00 (+18.91%) Homeowner's exemption | $215,930 Land $27,280 Building $188,650 | $215,930 Land $27,280 Building $188,650 |
| 2024 | $3,268.00 | ||
| 2023 | $174,590 (+15.43%) Land $27,280 Building $147,310 | $174,590 Land $27,280 Building $147,310 | |
| 2022 | $3,126.00 Homeowner's exemption | $151,250 Land $27,280 Building $123,970 | |
| 2021 | $151,250 Land $27,280 Building $123,970 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5846 Cactus Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2013.
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.
Wildfire risk around 5846 Cactus Ln is low, with less than 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 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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