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639 Gable St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 639 Gable St, Waterloo, IA 50703 · Last verified June 2026

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 816 sqft · built 1945
Lot Size0.187 acres (8,151 sqft)
Owner2 Individual Names on File
Last Sale$49,000 (Oct 2021)
Tax Bill$1,120 (2025)
Deeds & MortgagesOct 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN8913-13-451-010

Property Details

APN / Parcel Number

Primary APN8913-13-451-010

Interior

Bedrooms2 Beds
Full Baths1 Bath
Total Rooms4 Rooms
Stories1 Story
Building Area816 sqft Living Area
1st Floor Area816 sqft
Basement Area816 sqft
Finished Basement475 sqft
Unfinished Basement816 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1945
Effective Year BuiltEffective 1945
Exterior MaterialVinyl
Construction TypeFrame
Roof TypeGable
Roof MaterialAsphalt
Lot Area8,151 sqft (0.187 acres)
Lot Dimensions143 ft deep x 57 ft wide
Patio Area112 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC

Location & Zoning

Street Address639 GABLE ST
CityWATERLOO
StateIA
Zip50703-2711
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionPEEKS SECOND ADDITION LOT 9 BLK 7
Legal Range13W
Legal Township89N
Legal Section13
Legal SubdivisionPEEKS SECOND ADDITION
Legal Block7
Legal Lot Number9
JurisdictionBLACK HAWK IA
Township / Civil DivisionWATERLOO
Census Block Group2
Census Block2000
Census Tract1701

Owner

Source: Black Hawk County records · APN 8913-13-451-010

Assessment roll updated October 17, 2025 · Last verified June 2026

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

Owner of Record2 Individual Names on File
Mailing Address639 GABLE ST, WATERLOO, IA 50703-2711
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleOct 28, 2021 · Amount on Record
Deed SaleOct 28, 2021 · Amount on Record
Prior SaleOct 28, 2020 · Amount on Record
Deed Document Number20219215
Record UpdatedSep 20, 2026

October 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBLACK HAWK IA
Recording DateOct 28, 2020
Property Address639 GABLE ST, WATERLOO, IA 50703-2711
Document Number202100009215
Instrument DateOct 27, 2020
Instrument202100009215
Transaction TypeTransfer
Record UpdatedOct 27, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$77.60
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address639 GABLE ST, WATERLOO, IA 50703-2711

Mortgage

Document Number202100009216
DateOct 28, 2020
Instrument202100009216
Lender
NameVERIDIAN CU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueNov 01, 2035
Interest
Rate TypeAdjustable Rate
Rate4%
Type Change DateNov 01, 2030
Change FrequencyAnnually
Min Rate At Change2.75%
Max Rate At Change6%
Index1-Year LIBOR
Max Rate10%

Tax Assessment & Valuation

Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified June 2026

Property Jurisdictions

TypeName
StateIowa
CountyBlack Hawk County
MunicipalityWaterloo City
Unified School DistrictWaterloo Community School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$1,120.00$61,110 (+18.43%) Land $7,200 Building $53,910$61,110 (+18.43%) Land $7,200 Building $53,910
2024$1,120.00 (+29.63%)
2023$51,600 (+31.16%) Land $7,200 Building $44,400$51,600 (+31.16%) Land $7,200 Building $44,400
2022$864.00$39,340 Land $7,200 Building $32,140
2021$39,340 Land $7,200 Building $32,140

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Black Hawk County (19013C), updated September 27, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 190130017012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies1 in force

Wildfire

Wildfire RiskLow
above 3% of the US · above 24% of Iowa
Wildfire LikelihoodLess than 1 in 10,000 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 365 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Metronet HoldingsFiber5,120 / 5,120
Mediacom CommunicationsCable1,000 / 50
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20

May also be available at this address: LTD Broadband, AMG Technology Investment Group, Mediacom Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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