615 Cedar Bend St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 615 Cedar Bend St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,465 sqft · built 1926
Lot Size	0.347 acres (15,108 sqft)
Owner	Individual Name on File
Last Sale	$162,500 (Apr 2020)
Tax Bill	$3,782 (2025)
Deeds & Mortgages	Apr 2020 Sale & Mortgage Oct 2018 Foreclosure
Flood Zone	Zone X (reduced by levee)
APN	`8913-15-176-004`

Property Details

APN / Parcel Number

Primary APN	`8913-15-176-004`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,465 sqft Living Area
1st Floor Area	672 sqft
Basement Area	854 sqft
Finished Basement	525 sqft
Unfinished Basement	854 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,108 sqft (0.347 acres)
Lot Dimensions	109 ft deep x 42 ft wide
Garage Type	Detached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	250 sqft
Deck Area	156 sqft
Patio Area	156 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	615 CEDAR BEND ST
City	WATERLOO
State	IA
Zip	50703-1607
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNPLATTED WLOO EAST PART NE 1/4 SE 1/4 NW 1/4 SEC 15 T 89 R 13 COM AT A PT ON W LINE CEDAR BEND ST WHICH IS 60 FT N OF INTERS
Legal Range	13W
Legal Township	89N
Legal Section	15
Legal Subdivision	UNPLATTED WLOO EAST
Legal Lot Number	G
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1025
Census Tract	1600

Owner

615 Cedar Bend St is owned and occupied by an individual who bought it in April 2020.

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

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

Owner of Record	Individual Name on File
Mailing Address	4411 CORTINA CIR, 636, FORT MYERS, FL 33916-7978
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2020	Warranty Deed, Transfer · Conventional Mortgage COLLINS COMMUNITY CU
Oct 1, 2018	Sheriff's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 2, 2020 · Amount on File
Deed Sale	Apr 2, 2020 · Amount on File
Prior Sale	Oct 1, 2018 · Amount on File
Deed Document Number	202016996
Record Updated	Oct 29, 2026

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 2, 2020
Property Address	615 CEDAR BEND ST, WATERLOO, IA 50703-1607
Document Number	202000016996
Instrument Date	Mar 24, 2020
Instrument	202000016996
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	$259.20
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	615 CEDAR BEND ST, WATERLOO, IA 50703-1607

Mortgage

Document Number	202000016997
Date	Apr 2, 2020
Instrument	202000016997

Lender

Name	COLLINS COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2050

October 2018: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 1, 2018
Property Address	615 CEDAR BEND ST, WATERLOO, IA 50703-1607
Document Number	201900005327
Instrument Date	Sep 19, 2018
Instrument	201900005327
Transaction Type	Foreclosure
Record Updated	Feb 10, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2327, WATERLOO, IA 50701

Tax Assessment & Valuation

The 2025 property tax bill for 615 Cedar Bend St was $3,782 with a homeowner's exemption, up 10.7% 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	$3,782.00 (+10.71%) Homeowner's exemption	$185,320 Land $23,170 Building $162,150	$185,320 Land $23,170 Building $162,150
2024	$3,416.00
2023		$168,660 (+7.89%) Land $23,170 Building $145,490	$168,660 Land $23,170 Building $145,490
2022	$3,238.00 Homeowner's exemption	$156,320 Land $23,170 Building $133,150
2021			$156,320 Land $23,170 Building $133,150

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

Flood

FEMA maps place 615 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
Flood Insurance Cost	Premium on File median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	58 (1983–2016)
Claims Outside the SFHA	17 of 58
Most Recent Claim	Sep 2016 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2016 · 20 claims Severe Storms, Tornadoes, And Flooding, Jun 2008 · 18 claims Severe Storms & Flooding, Aug 1993 · 15 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 615 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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