595 Sunset Rd, Waterloo, IA 50701 Property Records

Black Hawk County property record for 595 Sunset Rd, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 5 ba · 4,042 sqft · built 1935
Lot Size	0.646 acres (28,125 sqft)
Owner	2 Individual Names on Record
Last Sale	$700,000 (Apr 2026)
Tax Bill	$9,898 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-34-256-001`

Property Details

APN / Parcel Number

Primary APN	`8913-34-256-001`

Interior

Bedrooms	3 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	4,042 sqft Living Area
1st Floor Area	908 sqft
Basement Area	908 sqft
Finished Basement	500 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Tile
Lot Area	28,125 sqft (0.646 acres)
Lot Dimensions	225 ft deep x 120 ft wide
Garage Type	Mixed
Garage Area	1,026 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	204 sqft
Patio Area	524 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Geothermal

Location & Zoning

Street Address	595 SUNSET RD
City	WATERLOO
State	IA
Zip	50701-3929
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PROSPECT HILLS ADDITION PART OF LOT 154 COM AT WLY COR SAID LOT TH NE ALONG NW LINE 120 FT TH SE TO PT ON SE LINE 124.7 FT NE
Legal Range	13W
Legal Township	89N
Legal Section	34
Legal Subdivision	PROSPECT HILLS ADDITION
Legal Lot Number	154
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 July 2, 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	595 SUNSET RD, WATERLOO, IA 50701-3929
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2026	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CREDIT UNION
Apr 6, 2026	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 6, 2026 · Amount on Record
Deed Sale	Apr 6, 2026 · Amount on Record
Prior Sale	Jan 29, 2015 · Amount on Record
Deed Document Number	20264550
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 6, 2026
Property Address	595 SUNSET RD, WATERLOO, IA 50701-3929
Document Number	0000004550
Instrument Date	Mar 27, 2026
Instrument	20264550
Transaction Type	Transfer
Record Updated	Apr 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$113,039.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	595 SUNSET RD, WATERLOO, IA 50701-3929

Mortgage

Document Number	0000004552,
Date	Apr 6, 2026
Instrument	20264552

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.01%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 6, 2026
Property Address	595 SUNSET RD, WATERLOO, IA 50701-3929
Document Number	0202604550
Instrument Date	Mar 27, 2026
Instrument	20264550
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$113,039.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	595 SUNSET RD, WATERLOO, IA 50701-3929

Mortgage

Document Number	0000004552,
Date	Apr 6, 2026
Instrument	20264552

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.01%
Initial Type	Fixed Rate
Max Rate	-1%

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	$9,898.00	$472,520 (+3.57%) Land $56,240 Building $416,280	$472,520 (+3.57%) Land $56,240 Building $416,280
2024	$9,898.00 (+21.39%)
2023		$456,250 (+20.01%) Land $56,240 Building $400,010	$456,250 (+20.01%) Land $56,240 Building $400,010
2022	$8,154.00 Homeowner's exemption	$380,170 Land $56,240 Building $323,930
2021			$380,170 Land $56,240 Building $323,930

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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