Black Hawk County property record for 641 E Big Rock Rd, Waterloo, IA 50703
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,501 sqft · built 1910 |
| Lot Size | 3 acres (130,680 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $104,000 (Jun 2017) |
| Tax Bill | $2,138 (2025) |
| Deeds & Mortgages | Jun 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 9013-36-451-003 |
| Primary APN | 9013-36-451-003 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,501 sqft Living Area |
| 1st Floor Area | 551 sqft |
| Basement Area | 399 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 130,680 sqft (3 acres) |
| Porch | Slab |
|---|---|
| Porch Area | 332 sqft |
| Patio Area | 16 sqft |
| Shed | 1 Shed |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Street Address | 641 E BIG ROCK RD |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50703-9560 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THAT PT SW SE SEC 36 T 90 R 13 DESC AS PARCEL C & FURTHER DESC AS FOL: COM AT SW COR OF SW 1/4 OF SE 1/4 TH E ALONG S LINE OF |
| Legal Range | 13W |
| Legal Township | 90N |
| Legal Section | 36 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1034 |
| Census Tract | 2604 |
641 E Big Rock Rd is owned and occupied by two individuals who bought it in June 2017.
Source: Black Hawk County records, as of September 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 641 E BIG ROCK RD, WATERLOO, IA 50703-9560 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 26, 2017 · Amount on File |
| Deed Sale | Jun 26, 2017 · Amount on File |
| Deed Document Number | 201722774 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 641 E BIG ROCK RD, WATERLOO, IA 50703-9560 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 201700022775 |
|---|---|
| Date | Jun 26, 2017 |
| Instrument | 2017-00022775 |
| Name | DUPACO COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | DUBUQUE, IA 52002 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Jul 1, 2027 |
The 2025 property tax bill for 641 E Big Rock Rd was $2,138 with a homeowner's exemption, down 3.3% 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 | $2,138.00 (-3.26%) Homeowner's exemption | $130,230 Land $53,000 Building $77,230 | $130,230 Land $53,000 Building $77,230 |
| 2024 | $2,210.00 | ||
| 2023 | $125,760 (+11.94%) Land $53,000 Building $72,760 | $125,760 Land $53,000 Building $72,760 | |
| 2022 | $2,272.00 Homeowner's exemption | $112,350 Land $53,000 Building $59,350 | |
| 2021 | $112,350 Land $53,000 Building $59,350 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 641 E Big Rock Rd in Zone X, an area of minimal flood risk, though there have been 21 flood claims nearby since 1979.
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 minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 21 (1979–2016) |
| Claims Outside the SFHA | 1 of 21 |
| Most Recent Claim | Sep 2016 · Severe Storms And Flooding |
| Claims by Event |
|
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 641 E Big Rock Rd 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 98% of the US · lower than 82% of Iowa |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable · Fiber | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
| T-Mobile Fixed Wireless | 100 / 20 |
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