643 Hickory St, Waterloo, IA 50701 Property Records

Black Hawk County property record for 643 Hickory St, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 688 sqft · built 1954
Lot Size	0.143 acres (6,250 sqft)
Owner	2 Trust Names on File
Last Sale	$120,000 (Jul 2024)
Tax Bill	$2,192 (2025)
Deeds & Mortgages	Jul 2023 Sale Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-21-409-012`

Property Details

APN / Parcel Number

Primary APN	`8913-21-409-012`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	688 sqft Living Area
1st Floor Area	688 sqft
Basement Area	688 sqft
Unfinished Basement	688 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Exterior Material	Wood Shingle
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,250 sqft (0.143 acres)
Lot Dimensions	125 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	320 sqft
Parking Spaces	1 Parking Space
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	643 HICKORY ST
City	WATERLOO
State	IA
Zip	50701-2024
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KREBS ADDITION LOT 9 BLK 3
Legal Range	13W
Legal Township	89N
Legal Section	21
Legal Subdivision	KREBS ADDITION
Legal Block	3
Legal Lot Number	9
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1011
Census Tract	1503

Owner

643 Hickory St is held in a trust since July 2024.

Source: Black Hawk County records, as of October 21, 2026

Owner of Record	2 Trust Names on File
Mailing Address	4621 BRIARWOOD DR, CEDAR FALLS, IA 50613-7942
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Jul 14, 2023	Warranty Deed, Transfer
Nov 24, 2020	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2024 · Amount on File
Deed Sale	Jul 14, 2024 · Amount on File
Prior Sale	Jul 14, 2023 · Amount on File
Deed Document Number	2024573
Prior Transfer Date	Mar 18, 2009
Prior Transfer Doc	2009018602
Record Updated	Oct 29, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jul 14, 2023
Property Address	643 HICKORY ST, WATERLOO, IA 50701-2024
Document Number	202400000573
Instrument Date	Jul 10, 2023
Instrument	202400000573
Transaction Type	Transfer
Record Updated	Aug 1, 2023

Transaction

Amount	Amount on Record
Tax	$191.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust
Address	4621 BRIARWOOD DR, CEDAR FALLS, IA 50613-7942

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 24, 2020
Property Address	643 HICKORY ST, WATERLOO, IA 50701-2024
Document Number	202100011309
Instrument Date	Nov 23, 2020
Instrument	202100011309
Transaction Type	Transfer
Record Updated	Aug 1, 2023
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$140.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	643 HICKORY ST, WATERLOO, IA 50701-2024

Mortgage

Document Number	202100011310
Date	Nov 24, 2020
Instrument	202100011310

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 643 Hickory St was $2,192, 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	$2,192.00 (-3.27%)	$107,410 Land $14,550 Building $92,860	$107,410 Land $14,550 Building $92,860
2024	$2,266.00
2023		$95,790 (+34.27%) Land $14,550 Building $81,240	$95,790 Land $14,550 Building $81,240
2022	$1,372.00 Homeowner's exemption	$71,340 Land $14,550 Building $56,790
2021			$71,340 Land $14,550 Building $56,790

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

Flood

FEMA maps place 643 Hickory 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 643 Hickory 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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