Black Hawk County property record for 640 Cedar Bend St, Waterloo, IA 50703
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,143 sqft · built 1940 |
| Lot Size | 0.455 acres (19,800 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,356 (2025) |
| Deeds & Mortgages | Jul 2020 Mortgage |
| Flood Zone | Zone X (reduced by levee) |
| APN | 8913-15-177-018 |
| Primary APN | 8913-15-177-018 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,143 sqft Living Area |
| 1st Floor Area | 616 sqft |
| Basement Area | 616 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Exterior Material | Metal |
| Construction Type | Steel 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 | 660 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 420 sqft |
| Deck Area | 252 sqft |
| Patio Area | 396 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 640 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 1 BLK 1 |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 15 |
| Legal Subdivision | CEDAR BEND ADDITION |
| Legal Block | 1 |
| Legal Lot Number | 1 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 1600 |
640 Cedar Bend St is owned and occupied by an individual who acquired it in October 2009.
Source: Black Hawk County records, as of September 1, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 640 CEDAR BEND ST, WATERLOO, IA 50703-1608 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Oct 23, 2009 |
| Transfer Doc | 2010008294 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 640 CEDAR BEND ST, WATERLOO, IA 50703-1608 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TITLE SERVICES |
| Name | Verified Name |
|---|
| Document Number | 202100002208 |
|---|---|
| Date | Jul 29, 2020 |
| Instrument | 202100002208 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Aug 1, 2035 |
The 2025 property tax bill for 640 Cedar Bend St was $2,356 with a homeowner's exemption, up 2.7% from the year before.
Source: Black Hawk County assessment roll, as of October 17, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,356.00 (+2.7%) Homeowner's exemption | $126,350 Land $21,090 Building $105,260 | $126,350 Land $21,090 Building $105,260 |
| 2024 | $2,294.00 | ||
| 2023 | $115,160 (+24.92%) Land $21,090 Building $94,070 | $115,160 Land $21,090 Building $94,070 | |
| 2022 | $1,830.00 Homeowner's exemption | $92,190 Land $21,090 Building $71,100 | |
| 2021 | $92,190 Land $21,090 Building $71,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 640 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 risk around 640 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.
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 |
| 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.
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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