632 Cedar Bend St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 632 Cedar Bend St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,131 sqft · built 1949
Lot Size	0.455 acres (19,800 sqft)
Owner	Individual Name on File
Last Sale	$104,000 (Apr 2008)
Tax Bill	$3,244 (2025)
Deeds & Mortgages	Feb 2019 Transfer
Flood Zone	Zone X (reduced by levee)
APN	`8913-15-177-017`

Property Details

APN / Parcel Number

Primary APN	`8913-15-177-017`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,131 sqft Living Area
1st Floor Area	1,131 sqft
Basement Area	1,131 sqft
Finished Basement	325 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	19,800 sqft (0.455 acres)
Lot Dimensions	198 ft deep x 100 ft wide
Garage Type	Mixed
Garage Area	1,260 sqft
Parking Spaces	6 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	145 sqft
Deck Area	203 sqft
Patio Area	203 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	632 CEDAR BEND ST
City	WATERLOO
State	IA
Zip	50703-1608
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CEDAR BEND ADDITION LOT 3 BLK 1
Legal Range	13W
Legal Township	89N
Legal Section	15
Legal Subdivision	CEDAR BEND ADDITION
Legal Block	1
Legal Lot Number	3
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2017
Census Tract	1600

Owner

632 Cedar Bend St is owned and occupied by an individual who bought it in April 2008.

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

Owner of Record	Individual Name on File
Mailing Address	632 CEDAR BEND ST, WATERLOO, IA 50703-1608
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 3, 2008 · Amount on File
Deed Sale	Apr 3, 2008 · Amount on File
Deed Document Number	200819354
Prior Transfer Date	Apr 1, 2008
Prior Transfer Doc	0000019354
Record Updated	Oct 29, 2026

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Feb 21, 2019
Property Address	632 CEDAR BEND ST, WATERLOO, IA 50703-1608
Document Number	201900012658
Instrument Date	Feb 18, 2019
Instrument	201900012658
Transaction Type	Transfer
Record Updated	Nov 16, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	632 CEDAR BEND ST, WATERLOO, IA 50703-1608

Tax Assessment & Valuation

The 2025 property tax bill for 632 Cedar Bend St was $3,244 with a homeowner's exemption, up 6.6% 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	$3,244.00 (+6.64%) Homeowner's exemption	$169,810 Land $21,090 Building $148,720	$169,810 Land $21,090 Building $148,720
2024	$3,042.00
2023		$150,480 (+26.58%) Land $21,090 Building $129,390	$150,480 Land $21,090 Building $129,390
2022	$2,416.00 Homeowner's exemption	$118,880 Land $21,090 Building $97,790
2021			$118,880 Land $21,090 Building $97,790

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

Flood

FEMA maps place 632 Cedar Bend St in Zone X, where a levee reduces flood risk, though there have been 2 flood claims nearby since 1978.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (1978–1980)
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 632 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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