607 Ricker St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 607 Ricker St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 684 sqft · built 1924
Lot Size	0.157 acres (6,860 sqft)
Owner	2 Individual Names on File
Last Sale	$50,000 (Oct 2018)
Tax Bill	$916 (2025)
Deeds & Mortgages	Oct 2018 Sale & Mortgage Dec 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`8913-13-454-017`

Property Details

APN / Parcel Number

Primary APN	`8913-13-454-017`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	684 sqft Living Area
1st Floor Area	684 sqft
Basement Area	684 sqft
Finished Basement	225 sqft
Unfinished Basement	684 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1924
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,860 sqft (0.157 acres)
Lot Dimensions	140 ft deep x 49 ft wide
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	112 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	607 RICKER ST
City	WATERLOO
State	IA
Zip	50703-2739
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PEEKS SECOND ADDITION LOT 2 BLK 4
Legal Range	13W
Legal Township	89N
Legal Section	13
Legal Subdivision	PEEKS SECOND ADDITION
Legal Block	4
Legal Lot Number	2
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2009
Census Tract	1701

Owner

607 Ricker St is owned and occupied by two individuals who bought it in October 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	607 RICKER ST, WATERLOO, IA 50703-2739
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
Oct 26, 2018	Warranty Deed, Transfer VERIDIAN CREDIT UNION
Dec 22, 2017	Deed of Trust, Mortgage · Line of Credit UNI CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 26, 2018 · Amount on File
Deed Sale	Oct 26, 2018 · Amount on File
Deed Document Number	2018201900006852
Prior Transfer Date	Jun 30, 2005
Prior Transfer Doc	2006000608
Record Updated	Oct 29, 2026

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 26, 2018
Property Address	607 RICKER ST, WATERLOO, IA 50703-2739
Document Number	201900006852
Instrument Date	Oct 25, 2018
Instrument	201900006852
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount on Record
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
Relationship	Joint Tenants
Address	607 RICKER ST, WATERLOO, IA 50703-2739

Mortgage

Document Number	201900006853
Date	Oct 26, 2018
Instrument	201900006853

Lender

Name	VERIDIAN CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount on Record
Term	171 Months
Due	Jan 1, 2033

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	607 RICKER ST, WATERLOO, IA 50703-2739
Transaction Type	Mortgage
Record Updated	Jan 10, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 2018-00010825
Date	Dec 22, 2017
Instrument	2018-00010825

Lender

Name	UNI CREDIT UNION
Address	CEDAR FALLS, IA 50613

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	97 Months
Due	Jan 3, 2026

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 607 Ricker St was $916 with a homeowner's exemption, up 12.8% 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	$916.00 (+12.81%) Homeowner's exemption	$55,760 Land $6,130 Building $49,630	$55,760 Land $6,130 Building $49,630
2024	$812.00
2023		$47,700 (+35.51%) Land $6,130 Building $41,570	$47,700 Land $6,130 Building $41,570
2022	$578.00 Homeowner's exemption	$35,200 Land $6,130 Building $29,070
2021			$35,200 Land $6,130 Building $29,070

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

Flood

FEMA maps place 607 Ricker St in Zone X, an area of minimal flood risk.

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

The area around 607 Ricker St 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 365 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

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