Black Hawk County property record for 6315 Sage Rd, Waterloo, IA 50703
| Property Type | Rural Home |
|---|---|
| Details | 4 bd · 5 ba · 2,987 sqft · built 1977 |
| Lot Size | 6.62 acres (288,367 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $297,000 (Jan 2013) |
| Tax Bill | $4,926 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 9012-19-426-003 |
| Primary APN | 9012-19-426-003 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 5 Baths |
| Half Baths | 4 Half Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,987 sqft Living Area |
| 1st Floor Area | 989 sqft |
| Basement Area | 1,971 sqft |
| Finished Basement | 832 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Exterior Material | Aluminum Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 288,367 sqft (6.62 acres) |
| Garage Type | Mixed |
| Garage Area | 1,133 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Porch |
| Porch Area | 220 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 6315 SAGE RD |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50703-9543 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | PARCEL A DOC 2013 007873 IN NE SE SEC 19 T 90 R 12 DESC AS COM AT SE COR SAID SEC TH N 1313.46 FT TO SE COR NE SE SAID SEC |
| Legal Range | 12W |
| Legal Township | 90N |
| Legal Section | 19 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | BENNINGTON |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 2700 |
6315 Sage Rd, a rural home, is owned and occupied by two individuals who bought it in January 2013.
Source: Black Hawk County records, as of September 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 6315 SAGE RD, WATERLOO, IA 50703-9543 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 8, 2013 · Amount on File |
| Deed Sale | Jan 8, 2013 · Amount on File |
| Deed Document Number | 201314316 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 6315 SAGE RD, WATERLOO, IA 50703-9543 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 202100016455 |
|---|---|
| Date | Feb 3, 2021 |
| Instrument | 202100016455 |
| Name | LINCOLN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | 56070 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Feb 1, 2036 |
The 2025 property tax bill for 6315 Sage Rd was $4,926 with a homeowner's exemption, down 3.7% from the year before.
Source: Black Hawk County assessment roll, as of October 17, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Unified School District | Denver Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,926.00 (-3.71%) Homeowner's exemption | $421,710 Land $9,850 Building $411,860 | $421,710 Land $9,850 Building $411,860 |
| 2024 | $5,116.00 | ||
| 2023 | $403,130 (+31.77%) Land $7,720 Building $395,410 | $403,130 Land $7,720 Building $395,410 | |
| 2022 | $4,638.00 Homeowner's exemption Additional exemption filed | $305,940 Land $6,210 Building $299,730 | |
| 2021 | $305,940 Land $6,210 Building $299,730 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 6315 Sage Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 27, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 6315 Sage Rd 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 95% of the US · lower than 68% 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.
Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Fiber | 2,000 / 1,000 |
| GigFire Fixed Wireless | 150 / 130 |
| T-Mobile Fixed Wireless | 100 / 20 |
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