630 Gable St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 630 Gable St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 766 sqft · built 1924
Lot Size	0.157 acres (6,860 sqft)
Owner	Individual Name on Record
Tax Bill	$1,074 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Jan 2024 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-13-454-007`

Property Details

APN / Parcel Number

Primary APN	`8913-13-454-007`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	766 sqft Living Area
1st Floor Area	766 sqft
Basement Area	766 sqft
Unfinished Basement	766 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1924
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	6,860 sqft (0.157 acres)
Lot Dimensions	140 ft deep x 49 ft wide
Garage Type	Detached
Garage Area	648 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	630 GABLE ST
City	WATERLOO
State	IA
Zip	50703-2712
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PEEKS SECOND ADDITION LOT 12 BLK 4
Legal Range	13W
Legal Township	89N
Legal Section	13
Legal Subdivision	PEEKS SECOND ADDITION
Legal Block	4
Legal Lot Number	12
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2009
Census Tract	1701

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2510 COTTAGE ROW RD, CEDAR FALLS, IA 50613-6813
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2026	Deed of Trust, Mortgage · Line of Credit CEDAR FALLS COMMUNITY CU
Jan 22, 2024	Deed of Trust, Mortgage · Line of Credit CEDAR FALLS COMMUNITY CU
Oct 12, 2018	Deed of Trust, Mortgage · Line of Credit FARMERS STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	630 GABLE ST, WATERLOO, IA 50703-2712
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202603905
Date	Mar 25, 2026
Instrument	2026-03905

Lender

Name	CEDAR FALLS COMMUNITY CU
Type	Credit Union
Address	123 W 4TH ST, CEDAR FALLS, IA 50613

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Mar 20, 2051

Interest

Change Frequency	Monthly

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	630 GABLE ST, WATERLOO, IA 50703-2712
Transaction Type	Mortgage
Record Updated	Jan 31, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2510 COTTAGE ROW RD, CEDAR FALLS, IA 50613-6813

Mortgage

Document Number	202400009194
Date	Jan 22, 2024
Instrument	202400009194

Lender

Name	CEDAR FALLS COMMUNITY CU
Type	Credit Union
Address	123 W 4TH ST, CEDAR FALLS, IA 50613

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 15, 2049

Interest

Change Frequency	Monthly

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	630 GABLE ST, WATERLOO, IA 50703-2712
Transaction Type	Mortgage
Record Updated	Jan 25, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900006075
Date	Oct 12, 2018
Instrument	201900006075

Lender

Name	FARMERS STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Tax Assessment & Valuation

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	$1,074.00 (+10.04%)	$52,650 (+17.08%) Land $6,130 Building $46,520	$52,650 (+17.08%) Land $6,130 Building $46,520
2024	$976.00 (+34.44%)
2023		$44,970 (+36.03%) Land $6,130 Building $38,840	$44,970 (+36.03%) Land $6,130 Building $38,840
2022	$726.00	$33,060 Land $6,130 Building $26,930
2021			$33,060 Land $6,130 Building $26,930

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

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

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	Under 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 365 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
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

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