623 Campbell Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 623 Campbell Ave, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,314 sqft · built 1928
Lot Size	0.158 acres (6,900 sqft)
Owner	Individual Name on File
Last Sale	$122,000 (Feb 2023)
Tax Bill	$2,376 (2025)
Deeds & Mortgages	Sep 2020 Line of Credit Feb 2023 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`8913-34-202-003`

Property Details

APN / Parcel Number

Primary APN	`8913-34-202-003`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,314 sqft Living Area
1st Floor Area	906 sqft
Attic	Attic
Attic Area	408 sqft
Basement Area	906 sqft
Finished Basement	675 sqft
Unfinished Basement	906 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Exterior Material	Vinyl
Construction Type	Steel Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,900 sqft (0.158 acres)
Lot Dimensions	115 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	80 sqft
Deck Area	144 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	623 CAMPBELL AVE
City	WATERLOO
State	IA
Zip	50701-2929
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KINGBARD HILL LOT 47
Legal Range	13W
Legal Township	89N
Legal Section	34
Legal Subdivision	KINGBARD HILL
Legal Lot Number	47
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1013
Census Tract	1400

Owner

623 Campbell Ave is owned and occupied by an individual who bought it in February 2023.

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

Owner of Record	Individual Name on File
Mailing Address	623 CAMPBELL AVE, WATERLOO, IA 50701-2929
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
Sep 23, 2020	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Feb 20, 2023	Correction Deed TITLE SERVICES
Jan 3, 2023	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Sep 4, 2018	Warranty Deed, Transfer VERIDIAN CREDIT UNION
Sep 21, 2017	Deed, Transfer · ARM VERIDIAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 20, 2023 · Amount on File
Deed Sale	Feb 20, 2023 · Amount on File
Prior Sale	Jan 3, 2023 · Amount on File
Deed Document Number	202311568
Prior Transfer Date	Dec 16, 2022
Prior Transfer Doc	0000011568
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	623 CAMPBELL AVE, WATERLOO, IA 50701-2929
Transaction Type	Mortgage
Record Updated	Mar 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	623 CAMPBELL AVE, WATERLOO, IA 50701-2929

Mortgage

Document Number	202100006329
Date	Sep 23, 2020
Instrument	202100006329

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 22, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2023: Correction Deed

Document Type	Correction Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Feb 20, 2023
Property Address	623 CAMPBELL AVE, WATERLOO, IA 50701-2929
Document Number	202300011568
Instrument Date	Dec 16, 2022
Instrument	202300011568
Record Updated	Mar 7, 2023
Title Company	TITLE SERVICES

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	623 CAMPBELL AVE, WATERLOO, IA 50701-2929

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jan 3, 2023
Property Address	623 CAMPBELL AVE, WATERLOO, IA 50701-2929
Document Number	202300009637
Instrument Date	Dec 16, 2022
Instrument	202300009637
Transaction Type	Transfer
Record Updated	Mar 7, 2023
Title Company	TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$194.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	623 CAMPBELL AVE, WATERLOO, IA 50701-2929

Mortgage

Document Number	202300009638
Date	Jan 3, 2023
Instrument	202300009638

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2053

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 4, 2018
Property Address	623 CAMPBELL AVE, WATERLOO, IA 50701-2929
Document Number	201900003708
Instrument Date	Aug 31, 2018
Instrument	201900003708
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	623 CAMPBELL AVE, WATERLOO, IA 50701-2929

Mortgage

Document Number	201900003709
Date	Sep 4, 2018
Instrument	201900003709

Lender

Name	VERIDIAN CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount on Record
Term	352 Months
Due	Jan 1, 2048

September 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 21, 2017
Property Address	623 CAMPBELL AVE, WATERLOO, IA 50701-2929
Document Number	201800005182
Instrument Date	Sep 15, 2017
Instrument	2018-00005182
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	623 CAMPBELL AVE, WATERLOO, IA 50701-2929

Mortgage

Document Number	201800005183
Date	Sep 21, 2017
Instrument	2018-00005183

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2027
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.87%
Index	1-Year LIBOR
Max Rate	9.87%

Tax Assessment & Valuation

The 2025 property tax bill for 623 Campbell Ave was $2,376 with a homeowner's exemption, down 10.9% 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	$2,376.00 (-10.94%) Homeowner's exemption	$127,330 Land $21,150 Building $106,180	$127,330 Land $21,150 Building $106,180
2024	$2,668.00
2023		$133,170 (+14.69%) Land $21,150 Building $112,020	$133,170 Land $21,150 Building $112,020
2022	$2,356.00 Homeowner's exemption	$116,110 Land $21,150 Building $94,960
2021			$116,110 Land $21,150 Building $94,960

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

Flood

FEMA maps place 623 Campbell Ave in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1979.

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 Claims	3 (1979–1980)
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 623 Campbell Ave 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 99.1% of the US · lower than 91% 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.

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 690 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Waterloo Fiber Fiber	10,000 / 10,000
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, Verizon.

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