607 Reber Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 607 Reber Ave, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 876 sqft · built 1920
Lot Size	0.133 acres (5,800 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,964 (2025)
Deeds & Mortgages	Jan 2020 Refinance Aug 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-27-452-007`

Property Details

APN / Parcel Number

Primary APN	`8913-27-452-007`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	876 sqft Living Area
1st Floor Area	816 sqft
Basement Area	816 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,800 sqft (0.133 acres)
Lot Dimensions	116 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	160 sqft
Deck Area	100 sqft
Patio Area	100 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	607 REBER AVE
City	WATERLOO
State	IA
Zip	50701-2918
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOME PARK SECOND ADDITION LOT 2 BLK 2
Legal Range	13W
Legal Township	89N
Legal Section	27
Legal Subdivision	HOME PARK SECOND ADDITION
Legal Block	2
Legal Lot Number	2
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2010
Census Tract	1400

Owner

607 Reber Ave is owned and occupied by two individuals.

Source: Black Hawk County records, as of September 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	607 REBER AVE, WATERLOO, IA 50701-2918
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance VERIDIAN CREDIT UNION
Aug 1, 2017	Deed of Trust, Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	607 REBER AVE, WATERLOO, IA 50701-2918
Transaction Type	Mortgage
Record Updated	Feb 18, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000012870
Date	Jan 21, 2020
Instrument	202000012870

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	607 REBER AVE, WATERLOO, IA 50701-2918
Transaction Type	Mortgage
Record Updated	Aug 22, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 2018-00001869
Date	Aug 1, 2017
Instrument	2018-00001869

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Amount	Amount on Record
Term	180 Months
Due	Aug 5, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 607 Reber Ave was $1,964 with a homeowner's exemption, up 5.3% from the year before.

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	$1,964.00 (+5.25%) Homeowner's exemption	$107,120 Land $14,100 Building $93,020	$107,120 Land $14,100 Building $93,020
2024	$1,866.00
2023		$96,220 (+11.22%) Land $14,100 Building $82,120	$96,220 Land $14,100 Building $82,120
2022	$1,706.00 Homeowner's exemption	$86,510 Land $14,100 Building $72,410
2021			$86,510 Land $14,100 Building $72,410

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 607 Reber Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 27, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 607 Reber Ave has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 690 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
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink, Verizon.

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