640 Gable St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 640 Gable St, Waterloo, IA 50703 · Last verified June 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	1.5 Baths
Year Built	Built 1915
Square Footage	991 sqft Living Area
Lot Size	10,990 sqft (0.252 acres)
Occupancy	Owner Occupied
Tax Bill	$498.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`8913-13-454-019`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Partial Baths	1 Partial Baths
Total Rooms	6 Rooms
Building Area	991 sqft Living Area
1st Floor	336 sqft 1st Floor
Basement Area	756 sqft Basement
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Plaster Interior Structure

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Exterior Material	Vinyl Exterior
Construction Type	Frame Construction
Roof Construction	Gable Roof Construction
Roof Material	Asphalt Roof
Lot Area	10,990 sqft (0.252 acres)
Depth X Width	140 ft x 80 ft Depth x Width
Porch	1 Porch
Porch Area	168 sqft Porch

Utilities and HVAC

Cooling System	None Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	640 GABLE ST
City	WATERLOO
State	IA
Zip	50703-2712
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	PEEKS SECOND ADDITION LOT 10 BLK 4 & E 1/2 LOT 11 BLK 4
Legal Range	13W
Legal Township	89N
Legal Section	13
Legal Subdivision	PEEKS SECOND ADDITION
Legal Block	4
Legal Lot Number	10,11
Jurisdiction	BLACK HAWK IA
Minor Civil Division	WATERLOO
Census Blockgroup	2
Census Block	2009
Census Tract	1701

Owner

Source: Black Hawk County records · APN 8913-13-454-019

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 Record	2 Individual Names on File
Mailing Address	640 GABLE ST, WATERLOO, IA 50703-2712
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Refreshed	Sep 20, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	640 GABLE ST, WATERLOO, IA 50703-2712
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800013189
Date	Feb 09, 2018
Instrument	201800013189

Lender

Name	LINCOLN SAVINGS BANK
Type	Bank

Agreement

Type	Adjustable Rate Mortgage (ARM)
Amount	Amount Recorded
Term	359 Months
Due	Jan 01, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.8%
Type Change Date	Mar 01, 2028
Index	Other

Tax Assessment & Valuation

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

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$498.00 Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption	$53,650 (+16.83%) Land $9,880 Building $43,770	$53,650 (+16.83%) Land $9,880 Building $43,770
2024	$498.00
2023		$45,920 Land $9,880 Building $36,040	$45,920 Land $9,880 Building $36,040

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Black Hawk County (19013C), updated September 27, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 3% of the US · above 24% of Iowa
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.