604 Cedar Bend St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 604 Cedar Bend St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 920 sqft · built 1940
Lot Size	0.338 acres (14,726 sqft)
Owner	2 Individual Names on Record
Last Sale	$103,000 (May 2025)
Tax Bill	$1,880 (2025)
Deeds & Mortgages	May 2025 Sale & Mortgage Jan 2026 Sale + 2 more
Flood Zone	Zone X (reduced by levee)
APN	`8913-15-177-014`

Property Details

APN / Parcel Number

Primary APN	`8913-15-177-014`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	920 sqft Living Area
1st Floor Area	760 sqft
Basement Area	760 sqft
Unfinished Basement	760 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,726 sqft (0.338 acres)
Lot Dimensions	199 ft deep x 74 ft wide
Garage Type	Detached
Garage Area	216 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	224 sqft
Deck Area	160 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	604 CEDAR BEND ST
City	WATERLOO
State	IA
Zip	50703-1608
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CEDAR BEND ADDITION LOT 9 BLK 1
Legal Range	13W
Legal Township	89N
Legal Section	15
Legal Subdivision	CEDAR BEND ADDITION
Legal Block	1
Legal Lot Number	9
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2017
Census Tract	1600

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	2 Individual Names on Record
Mailing Address	604 CEDAR BEND ST, WATERLOO, IA 50703-1608
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 2, 2025	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Jan 21, 2026	Re-recorded Document
Sep 29, 2017	Quit Claim Deed, Transfer Quitclaim
May 28, 2014	Warranty Deed, Transfer · FHA Mortgage VALLEY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 2, 2025 · Amount on Record
Deed Sale	May 2, 2025 · Amount on Record
Prior Sale	May 28, 2014 · Amount on Record
Deed Document Number	20255955
Prior Transfer Date	Mar 15, 2017
Prior Transfer Doc	201800005676
Record Updated	Oct 29, 2026

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 2, 2025
Property Address	604 CEDAR BEND ST, WATERLOO, IA 50703-1608
Document Number	0202505955
Instrument Date	May 1, 2025
Instrument	2025-05955
Transaction Type	Transfer
Record Updated	Jan 30, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$164.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	604 CEDAR BEND ST, WATERLOO, IA 50703-1608

Mortgage

Document Number	0202505956
Date	May 2, 2025
Instrument	2025-05956

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2055

January 2026: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	BLACK HAWK IA
Recording Date	Jan 21, 2026
Property Address	604 CEDAR BEND ST, WATERLOO, IA 50703-1608
Document Number	0202600874
Instrument Date	May 1, 2025
Instrument	2026-00874
Record Updated	Jan 30, 2026

Transaction

Amount	Amount Recorded
Tax	$164.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	604 CEDAR BEND ST, WATERLOO, IA 50703-1608

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 29, 2017
Property Address	604 CEDAR BEND ST, WATERLOO, IA 50703-1608
Document Number	201800005676
Instrument Date	Mar 15, 2017
Instrument	2018-00005676
Transaction Type	Transfer
Record Updated	Jan 30, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 CEDAR BEND ST, WATERLOO, IA 50703-1608

May 2014: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 28, 2014
Property Address	604 CEDAR BEND ST, WATERLOO, IA 50703-1608
Document Number	201400020838
Instrument Date	May 22, 2014
Instrument	201400020838
Transaction Type	Transfer
Record Updated	Jan 30, 2026
Title Company	TITLE SERVICES CORP

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$116.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 CEDAR BEND ST, WATERLOO, IA 50703-1608

Mortgage

Document Number	201400020839
Date	May 28, 2014
Instrument	201400020839

Lender

Name	VALLEY BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2044

Mortgage

Document Number	201400022040
Date	Jun 11, 2014
Instrument	201400022040

Lender

Name	WATERLOO HOUSING AUTHORITY
Type	Government Agency
Address	WATERLOO, IA 50703

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded

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	$1,880.00 (-3.49%) Homeowner's exemption	$103,000 (+3.02%) Land $16,430 Building $86,570	$103,000 (+3.02%) Land $16,430 Building $86,570
2024	$1,948.00 (+24.87%)
2023		$99,980 (+25.19%) Land $16,430 Building $83,550	$99,980 (+25.19%) Land $16,430 Building $83,550
2022	$1,560.00 Homeowner's exemption	$79,860 Land $16,430 Building $63,430
2021			$79,860 Land $16,430 Building $63,430

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 reduced by levee · depends on levee performance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (1978–1980)
Most Recent Claim	Jun 1980 · rainfall accumulation

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	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.

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 171 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

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