Black Hawk County property record for 609 E Schrock Rd, Waterloo, IA 50701
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 6.5 ba · 3,914 sqft · built 1970 |
| Lot Size | 6.23 acres (271,378 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $465,500 (Mar 2023) |
| Tax Bill | $11,614 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Jul 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 8813-27-451-004 |
| Primary APN | 8813-27-451-004 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 6.5 Baths |
| Half Baths | 7 Half Baths |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 3,914 sqft Living Area |
| 1st Floor Area | 2,542 sqft |
| Basement Area | 2,643 sqft |
| Finished Basement | 1,020 sqft |
| Unfinished Basement | 2,643 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Exterior Material | Other |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 271,378 sqft (6.23 acres) |
| Garage Type | Mixed |
| Garage Area | 1,920 sqft |
| Parking Spaces | 7 Parking Spaces |
| Pool Area | 800 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 1,472 sqft |
| Deck Area | 336 sqft |
| Patio Area | 2,213 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 609 E SCHROCK RD |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50701-9437 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THAT PART OF THE SW SE SEC 27 T 88 R 13 BOUNDED AS FOL BEG AT INTER E RT OF WAY LINE IA STATE RD 402 & S LINE OF SEC TH N |
| Legal Range | 13W |
| Legal Township | 88N |
| Legal Section | 27 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | ORANGE |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 3002 |
609 E Schrock Rd is owned and occupied by two individuals who acquired it in April 2024.
Source: Black Hawk County records, as of September 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 609 E SCHROCK RD, WATERLOO, IA 50701-9437 |
| 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.
| Date | Document |
|---|---|
| Dec 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CENTRAL TRUST BANK |
| Jul 8, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FARMERS STATE BANK |
| Aug 27, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance CEDAR RAPIDS BANK & TRUST |
| Mar 30, 2020 | Warranty Deed, Transfer · Conventional Mortgage FARMERS STATE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 9, 2023 · Amount on File |
| Deed Sale | Mar 9, 2023 · Amount on File |
| Prior Sale | Nov 19, 2022 · Amount on File |
| Deed Document Number | 202312308 |
| Last Transfer Date | Apr 3, 2024 |
| Transfer Doc | 0000012339 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 609 E SCHROCK RD, WATERLOO, IA 50701-9437 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2023 |
| Name | Verified Name |
|---|
| Document Number | 202200013199 |
|---|---|
| Date | Dec 27, 2021 |
| Instrument | 202200013199 |
| Name | CENTRAL TRUST BANK |
|---|---|
| Type | Bank |
| Address | JEFFERSON CITY, MO 65101 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 609 E SCHROCK RD, WATERLOO, IA 50701-9437 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2023 |
| Name | Verified Name |
|---|
| Document Number | 202200000507 |
|---|---|
| Date | Jul 8, 2021 |
| Instrument | 202200000507 |
| Name | FARMERS STATE BANK |
|---|---|
| Type | Bank |
| Address | WATERLOO, IA 50701 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 609 E SCHROCK RD, WATERLOO, IA 50701-9437 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2023 |
| Name | Verified Name |
|---|
| Document Number | 202000003606 |
|---|---|
| Date | Aug 27, 2019 |
| Instrument | 202000003606 |
| Name | CEDAR RAPIDS BANK & TRUST |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Mar 30, 2020 |
| Property Address | 609 E SCHROCK RD, WATERLOO, IA 50701-9437 |
| Document Number | 202000016815 |
| Map Reference | DOC 2011-00429 |
| Instrument Date | Mar 4, 2020 |
| Instrument | 202000016815 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,495.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | PO BOX 178, WATERLOO, IA 50704-0178 |
| Document Number | 202000016816 |
|---|---|
| Date | Mar 30, 2020 |
| Instrument | 202000016816 |
| Name | FARMERS STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2050 |
| Document Number | 202000016817 |
|---|---|
| Date | Mar 30, 2020 |
| Instrument | 202000016817 |
| Name | FARMERS STATE BANK |
|---|---|
| Type | Bank |
| Address | WATERLOO, IA 50701 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Mar 27, 2035 |
The 2025 property tax bill for 609 E Schrock Rd was $11,614 with a homeowner's exemption, down 4.9% from the year before.
Source: Black Hawk County assessment roll, as of October 17, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Unified School District | Waterloo Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $11,614.00 (-4.91%) Homeowner's exemption | $946,010 Land $105,000 Building $841,010 | $946,010 Land $105,000 Building $841,010 |
| 2024 | $12,214.00 | ||
| 2023 | $935,110 Land $90,000 Building $845,110 | $935,110 Land $90,000 Building $845,110 | |
| 2022 | $8,218.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 609 E Schrock Rd in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2008.
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 |
| Nearby Flood Claims | 5 (2008–2016) |
| Most Recent Claim | Sep 2016 · Severe Storms And Flooding |
| Claims by Event |
|
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 risk around 609 E Schrock Rd is low, with less than a 0.01% annual chance of 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.
Source: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Alpine Communications Fiber | 500 / 500 |
| GigFire Fixed Wireless | 150 / 130 |
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