612 Cedar Bend St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 612 Cedar Bend St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,426 sqft · built 1939
Lot Size	0.457 acres (19,900 sqft)
Owner	Individual Name on File
Tax Bill	$2,882 (2025)
Deeds & Mortgages	May 2005 Mortgage Oct 2007 Line of Credit + 5 more
Flood Zone	Zone X (reduced by levee)
APN	`8913-15-177-015`

Property Details

APN / Parcel Number

Primary APN	`8913-15-177-015`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	3 Half Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,426 sqft Living Area
1st Floor Area	1,056 sqft
Attic	Attic
Attic Area	370 sqft
Basement Area	1,056 sqft
Finished Basement	30 sqft
Unfinished Basement	1,056 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	19,900 sqft (0.457 acres)
Lot Dimensions	199 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	693 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	182 sqft
Patio Area	195 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	612 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 7 BLK 1
Legal Range	13W
Legal Township	89N
Legal Section	15
Legal Subdivision	CEDAR BEND ADDITION
Legal Block	1
Legal Lot Number	7
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2017
Census Tract	1600

Owner

612 Cedar Bend St is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	612 CEDAR BEND ST, WATERLOO, IA 50703-1608
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
May 13, 2005	Deed of Trust, Mortgage JOHN DEERE COMMUNITY CU
Oct 25, 2007	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Apr 4, 2006	Deed of Trust, Mortgage VERIDIAN CU
Mar 16, 2010	Deed of Trust, Mortgage VERIDIAN CU
Apr 1, 2013	Deed of Trust, Mortgage VERIDIAN CU
Jul 31, 2023	Affidavit of Death of Joint Tenant, Transfer
Jul 31, 2023	Legal Action/Court Order, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

May 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	612 CEDAR BEND ST, WATERLOO, IA 50703-1608
Transaction Type	Mortgage
Record Updated	Feb 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2005026309
Date	May 13, 2005
Instrument	2005026309

Lender

Name	JOHN DEERE COMMUNITY CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Amount	Amount on Record
Term	84 Months
Due	May 1, 2012

October 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	612 CEDAR BEND ST, WATERLOO, IA 50703-1608
Transaction Type	Mortgage
Record Updated	Feb 19, 2026
Title Company	BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK COUNTY ABSTRACT &

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2008008998
Date	Oct 25, 2007
Instrument	2008008998

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Oct 24, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	612 CEDAR BEND ST, WATERLOO, IA 50703-1608
Transaction Type	Mortgage
Record Updated	Feb 19, 2026
Title Company	BLACK HAWK COUNTY ABSTRACT, BLACK HAWK COUNTY ABSTRACT C

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2006023863
Date	Apr 4, 2006
Instrument	2006023863

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Amount	Amount on Record
Term	60 Months
Due	Apr 1, 2011

March 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	612 CEDAR BEND ST, WATERLOO, IA 50703-1608
Transaction Type	Mortgage
Record Updated	Feb 19, 2026
Title Company	BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK COUNTY ABSTRACT &

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2010017118
Date	Mar 16, 2010
Instrument	2010017118

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Amount	Amount on Record
Term	120 Months
Due	Mar 25, 2020

April 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	612 CEDAR BEND ST, WATERLOO, IA 50703-1608
Transaction Type	Mortgage
Record Updated	Feb 19, 2026
Title Company	BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK COUNTY ABSTRACT &

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2013020111
Date	Apr 1, 2013
Instrument	2013020111

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Amount	Amount on Record
Term	120 Months
Due	Apr 1, 2023

July 2023: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	BLACK HAWK IA
Recording Date	Jul 31, 2023
Property Address	612 CEDAR BEND ST, WATERLOO, IA 50703-1608
Document Number	202400001351
Instrument Date	Jul 28, 2023
Instrument	2024-00001351
Transaction Type	Transfer
Record Updated	Feb 19, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	612 CEDAR BEND ST, WATERLOO, IA 50703-1608

July 2023: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	BLACK HAWK IA
Recording Date	Jul 31, 2023
Property Address	612 CEDAR BEND ST, WATERLOO, IA 50703-1608
Document Number	202400001352
Instrument Date	Jul 28, 2023
Instrument	2024-00001352
Transaction Type	Foreclosure
Record Updated	Feb 19, 2026

Transaction

Amount	Amount on Record
Tax	$161.60
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	612 CEDAR BEND ST, WATERLOO, IA 50703-1608

Tax Assessment & Valuation

The 2025 property tax bill for 612 Cedar Bend St was $2,882 with a homeowner's exemption, up 5.7% 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	$2,882.00 (+5.72%) Homeowner's exemption	$161,080 Land $21,090 Building $139,990	$161,080 Land $21,090 Building $139,990
2024	$2,726.00
2023		$144,330 (+27.77%) Land $21,090 Building $123,240	$144,330 Land $21,090 Building $123,240
2022	$2,286.00 Homeowner's exemption	$112,960 Land $21,090 Building $91,870
2021			$112,960 Land $21,090 Building $91,870

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

Flood

FEMA maps place 612 Cedar Bend St in Zone X, where a levee reduces flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 612 Cedar Bend St is low, with 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 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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