640 Maxwell St, Waterloo, IA 50701 Property Records

Black Hawk County property record for 640 Maxwell St, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,168 sqft · built 1955
Lot Size	0.215 acres (9,375 sqft)
Owner	Individual Name on File
Last Sale	$152,000 (Nov 2025)
Tax Bill	$2,556 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Nov 2025 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`8913-21-409-008`

Property Details

APN / Parcel Number

Primary APN	`8913-21-409-008`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,168 sqft Living Area
1st Floor Area	1,168 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	9,375 sqft (0.215 acres)
Lot Dimensions	125 ft deep x 75 ft wide
Garage Type	Detached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Patio Area	130 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	640 MAXWELL ST
City	WATERLOO
State	IA
Zip	50701-2031
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KREBS ADDITION LOT 18 BLK 3 N 1/2 LOT 19 BLK 3
Legal Range	13W
Legal Township	89N
Legal Section	21
Legal Subdivision	KREBS ADDITION
Legal Block	3
Legal Lot Number	18,19
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1011
Census Tract	1503

Owner

640 Maxwell St is owned and occupied by an individual who bought it in November 2025.

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

Owner of Record	Individual Name on File
Mailing Address	640 MAXWELL ST, WATERLOO, IA 50701-2031
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

Date	Document
Sep 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage FARMERS STATE BANK
Nov 19, 2025	Warranty Deed, Transfer TITLE SERVICES
Aug 2, 2024	Quit Claim Deed, Transfer Quitclaim
Jun 6, 2022	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU
Aug 8, 2019	Warranty Deed, Transfer · Balloon Mortgage FARMERS STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 19, 2025 · Amount on File
Deed Sale	Nov 19, 2025 · Amount on File
Prior Sale	Jun 6, 2022 · Amount on File
Deed Document Number	202517057
Prior Transfer Date	Jul 30, 2024
Prior Transfer Doc	0202418206
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	640 MAXWELL ST, WATERLOO, IA 50701-2031
Transaction Type	Mortgage
Record Updated	Dec 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100004877
Date	Sep 3, 2020
Instrument	202100004877

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 19, 2025
Property Address	640 MAXWELL ST, WATERLOO, IA 50701-2031
Document Number	0202517057
Instrument Date	Nov 18, 2025
Instrument	2025-17057
Transaction Type	Transfer
Record Updated	Dec 11, 2025
Title Company	TITLE SERVICES

Transaction

Amount	Amount on Record
Tax	$242.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 MAXWELL ST, WATERLOO, IA 50701-2031

August 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Aug 2, 2024
Property Address	640 MAXWELL ST, WATERLOO, IA 50701-2031
Document Number	0202418206
Instrument Date	Jul 30, 2024
Instrument	2024-18206
Transaction Type	Transfer
Record Updated	Dec 11, 2025

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	640 MAXWELL ST, WATERLOO, IA 50701-2031

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 6, 2022
Property Address	640 MAXWELL ST, WATERLOO, IA 50701-2031
Document Number	202200023652
Instrument Date	May 31, 2022
Instrument	202200023652
Transaction Type	Transfer
Record Updated	Dec 11, 2025
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$215.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	640 MAXWELL ST, WATERLOO, IA 50701-2031

Mortgage

Document Number	202200023653
Date	Jun 6, 2022
Instrument	202200023653

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 5, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Jun 5, 2032
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	5.25%
Index	1-Year CMT
Max Rate	9.25%

Mortgage

Document Number	202200023654
Date	Jun 6, 2022
Instrument	202200023654

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jun 5, 2032

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Aug 8, 2019
Property Address	640 MAXWELL ST, WATERLOO, IA 50701-2031
Document Number	202000002521
Instrument Date	Aug 6, 2019
Instrument	202000002521
Transaction Type	Transfer
Record Updated	Dec 11, 2025

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 MAXWELL ST, WATERLOO, IA 50701-2031
Investor	Possibly a Property Investor

Mortgage

Document Number	202000002522
Date	Aug 8, 2019
Instrument	202000002522

Lender

Name	FARMERS STATE BANK

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	13 Months
Due	Sep 1, 2020

Tax Assessment & Valuation

The 2025 property tax bill for 640 Maxwell St was $2,556, down 3.3% 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	$2,556.00 (-3.26%)	$125,250 Land $21,830 Building $103,420	$125,250 Land $21,830 Building $103,420
2024	$2,642.00
2023		$121,800 (+34.35%) Land $21,830 Building $99,970	$121,800 Land $21,830 Building $99,970
2022	$1,992.00	$90,660 Land $21,830 Building $68,830
2021			$90,660 Land $21,830 Building $68,830

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

Flood

FEMA maps place 640 Maxwell St 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

Wildfire risk around 640 Maxwell St 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.

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 407 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable	1,000 / 50
CenturyLink DSL	140 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink, Verizon.

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