614 Black Hawk Rd, Waterloo, IA 50701 Property Records

Black Hawk County property record for 614 Black Hawk Rd, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 768 sqft · built 1966
Lot Size	0.149 acres (6,490 sqft)
Owner	Individual Name on File
Last Sale	$140,000 (Jun 2025)
Tax Bill	$2,264 (2025)
Deeds & Mortgages	Dec 2019 Refinance Sep 2020 Line of Credit + 2 more
Flood Zone	Zone X (reduced by levee)
APN	`8913-27-176-016`

Property Details

APN / Parcel Number

Primary APN	`8913-27-176-016`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	3 Half Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	768 sqft Living Area
1st Floor Area	768 sqft
Basement Area	768 sqft
Finished Basement	425 sqft
Unfinished Basement	768 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	6,490 sqft (0.149 acres)
Lot Dimensions	118 ft deep x 55 ft wide
Garage Type	Detached
Garage Area	352 sqft
Parking Spaces	1 Parking Space
Deck Area	100 sqft
Patio Area	238 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	614 BLACK HAWK RD
City	WATERLOO
State	IA
Zip	50701-2409
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NOBLE HADLEY SECOND ADDITION LOT 16
Legal Range	13W
Legal Township	89N
Legal Section	27
Legal Subdivision	NOBLE HADLEY SECOND ADDITION
Legal Lot Number	16
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2035
Census Tract	1502

Owner

614 Black Hawk Rd is owned and occupied by an individual who bought it in June 2025.

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

Owner of Record	Individual Name on File
Mailing Address	614 BLACK HAWK RD, WATERLOO, IA 50701-2409
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
Dec 9, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance VERIDIAN CREDIT UNION
Sep 21, 2020	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Jun 13, 2025	Affidavit of Death of Joint Tenant, Transfer
Jun 13, 2025	Warranty Deed, Transfer · Conventional Mortgage BARRETT FINANCIAL GROUP LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 13, 2025 · Amount on File
Deed Sale	Jun 13, 2025 · Amount on File
Deed Document Number	20258479
Prior Transfer Date	Jun 12, 2025
Prior Transfer Doc	0202508478
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	614 BLACK HAWK RD, WATERLOO, IA 50701-2409
Transaction Type	Mortgage
Record Updated	Oct 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000010464
Date	Dec 9, 2019
Instrument	202000010464

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Jan 1, 2030

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	614 BLACK HAWK RD, WATERLOO, IA 50701-2409
Transaction Type	Mortgage
Record Updated	Oct 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	614 BLACK HAWK RD, WATERLOO, IA 50701-2409

Mortgage

Document Number	202100006158
Date	Sep 21, 2020
Instrument	202100006158

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Sep 20, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2025: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 13, 2025
Property Address	614 BLACK HAWK RD, WATERLOO, IA 50701-2409
Document Number	0202508478
Instrument Date	Jun 12, 2025
Instrument	2025-08478
Transaction Type	Transfer
Record Updated	Oct 17, 2025

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	614 BLACK HAWK RD, WATERLOO, IA 50701-2409

June 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 13, 2025
Property Address	614 BLACK HAWK RD, WATERLOO, IA 50701-2409
Document Number	0202508479
Instrument Date	Jun 12, 2025
Instrument	2025-08479
Transaction Type	Transfer
Record Updated	Oct 21, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$223.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	614 BLACK HAWK RD, WATERLOO, IA 50701-2409

Mortgage

Document Number	0202508480
Date	Jun 13, 2025
Instrument	2025-08480

Lender

Name	BARRETT FINANCIAL GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 614 Black Hawk Rd was $2,264 with a homeowner's exemption, up 39.4% 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	$2,264.00 (+39.41%) Homeowner's exemption	$121,810 Land $16,800 Building $105,010	$121,810 Land $16,800 Building $105,010
2024	$1,624.00
2023		$98,760 (+25.3%) Land $16,800 Building $81,960	$98,760 Land $16,800 Building $81,960
2022	$1,536.00 Homeowner's exemption	$78,820 Land $16,800 Building $62,020
2021			$78,820 Land $16,800 Building $62,020

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

Flood

FEMA maps place 614 Black Hawk Rd 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	7 in force
Nearby Flood Claims	19 (1978–2013)
Claims Outside the SFHA	5 of 19
Most Recent Claim	May 2013 · rainfall accumulation
Claims by Event	Severe Storms, Flooding, And Tornadoes, Jul 2010 · 3 claims Severe Storms, Tornadoes, And Flooding, Jun 2008 · 2 claims Severe Storms & Flooding, Jul 1993 · 2 claims

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 614 Black Hawk Rd is low, with a 0.02% 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	0.02% 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 231 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
GigFire Fixed Wireless	150 / 130

May also be available: Nextlink, T-Mobile, Waterloo Fiber.

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