5909 Cactus Ln, Waterloo, IA 50701 Property Records

Black Hawk County property record for 5909 Cactus Ln, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,359 sqft · built 1995
Lot Size	0.25 acres (10,880 sqft)
Owner	Individual Name on Record
Last Sale	$214,000 (Aug 2018)
Tax Bill	$5,918 (2025)
Deeds & Mortgages	Feb 2020 Refinance Apr 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`8813-13-483-001`

Property Details

APN / Parcel Number

Primary APN	`8813-13-483-001`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,359 sqft Living Area
1st Floor Area	1,359 sqft
Basement Area	1,359 sqft
Finished Basement	1,025 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,880 sqft (0.25 acres)
Lot Dimensions	80 ft deep x 136 ft wide
Garage Type	Attached
Garage Area	703 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	25 sqft
Deck Area	224 sqft
Patio Area	488 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	5909 CACTUS LN
City	WATERLOO
State	IA
Zip	50701-9388
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WESTDALE LOT 23
Legal Range	13W
Legal Township	88N
Legal Section	13
Legal Subdivision	WESTDALE
Legal Lot Number	23
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2027
Census Tract	3001

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	Individual Name on Record
Mailing Address	5909 CACTUS LN, WATERLOO, IA 50701-9388
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance GREENSTATE CREDIT UNION
Apr 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage GREENSTATE CU
Jan 24, 2023	Deed of Trust, Mortgage · Line of Credit GREENSTATE CU
Aug 30, 2023	Intrafamily Transfer, Transfer
Aug 8, 2018	Warranty Deed, Transfer UNIVERSITY OF IOWA CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 8, 2018 · Amount on Record
Deed Sale	Aug 8, 2018 · Amount on Record
Deed Document Number	2018201900002207
Last Transfer Date	Aug 29, 2023
Transfer Doc	0000003025
Record Updated	Oct 29, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	5909 CACTUS LN, WATERLOO, IA 50701-9388
Transaction Type	Mortgage
Record Updated	Oct 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000014716
Date	Feb 26, 2020
Instrument	202000014716

Lender

Name	GREENSTATE CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	5909 CACTUS LN, WATERLOO, IA 50701-9388
Transaction Type	Mortgage
Record Updated	Oct 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100020681
Date	Apr 5, 2021
Instrument	202100020681

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2036

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	5909 CACTUS LN, WATERLOO, IA 50701-9388
Transaction Type	Mortgage
Record Updated	Oct 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202300010587
Date	Jan 24, 2023
Instrument	202300010587

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jan 23, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BLACK HAWK IA
Recording Date	Aug 30, 2023
Property Address	5909 CACTUS LN, WATERLOO, IA 50701-9388
Document Number	202400003025
Instrument Date	Aug 29, 2023
Instrument	202400003025
Transaction Type	Transfer
Record Updated	Oct 17, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5909 CACTUS LN, WATERLOO, IA 50701-9388

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Aug 8, 2018
Property Address	5909 CACTUS LN, WATERLOO, IA 50701-9388
Document Number	201900002207
Instrument Date	Jul 9, 2018
Instrument	201900002207
Transaction Type	Transfer
Record Updated	Oct 17, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5909 CACTUS LN, WATERLOO, IA 50701-9388

Mortgage

Document Number	201900002208
Date	Aug 8, 2018
Instrument	201900002208

Lender

Name	UNIVERSITY OF IOWA CREDIT UNION

Agreement

Amount	Amount Recorded
Term	353 Months
Due	Jan 1, 2048

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	$5,918.00 (+10.25%)	$289,960 (+17.18%) Land $29,070 Building $260,890	$289,960 (+17.18%) Land $29,070 Building $260,890
2024	$5,368.00 (+14.85%)
2023		$247,450 (+16.29%) Land $29,070 Building $218,380	$247,450 (+16.29%) Land $29,070 Building $218,380
2022	$4,674.00	$212,790 Land $29,070 Building $183,720
2021			$212,790 Land $29,070 Building $183,720

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	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

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 19 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
GigFire Fixed Wireless	150 / 130

May also be available: Alpine Communications.

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