644 Wallgate Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 644 Wallgate Ave, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,017 sqft · built 1909
Lot Size	0.073 acres (3,200 sqft)
Owner	Individual Name on Record
Last Sale	$73,500 (Aug 2016)
Tax Bill	$2,246 (2025)
Deeds & Mortgages	Jan 2019 Refinance Mar 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`8913-22-328-013`

Property Details

APN / Parcel Number

Primary APN	`8913-22-328-013`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,017 sqft Living Area
1st Floor Area	572 sqft
Basement Area	617 sqft
Unfinished Basement	617 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	3,200 sqft (0.073 acres)
Lot Dimensions	80 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	252 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	84 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	644 WALLGATE AVE
City	WATERLOO
State	IA
Zip	50701-5840
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GALLOWAY ADDITION WATERLOO E 80 FT LOT 116
Legal Range	13W
Legal Township	89N
Legal Section	22
Legal Subdivision	GALLOWAY ADDITION WATERLOO
Legal Lot Number	116
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1029
Census Tract	400

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	644 WALLGATE AVE, WATERLOO, IA 50701-5840
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 2, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance COLLINS COMMUNITY CREDIT UNION
Mar 4, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 5, 2016 · Amount on Record
Deed Sale	Aug 5, 2016 · Amount on Record
Prior Sale	May 11, 2007 · Amount on Record
Deed Document Number	20162017-00002465
Last Transfer Date	Feb 1, 2021
Transfer Doc	0000018509
Record Updated	Oct 29, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	644 WALLGATE AVE, WATERLOO, IA 50701-5840
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900010068
Date	Jan 2, 2019
Instrument	201900010068

Lender

Name	COLLINS COMMUNITY CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BLACK HAWK IA
Recording Date	Mar 4, 2021
Property Address	644 WALLGATE AVE, WATERLOO, IA 50701-5840
Document Number	202100018509
Instrument Date	Feb 1, 2021
Instrument	202100018509
Transaction Type	Transfer
Record Updated	Nov 17, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	644 WALLGATE AVE, WATERLOO, IA 50701-5840
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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	$2,246.00 (+16.01%)	$110,100 (+23.4%) Land $9,880 Building $100,220	$110,100 (+23.4%) Land $9,880 Building $100,220
2024	$1,936.00 (+24.58%)
2023		$89,220 (+26.03%) Land $9,880 Building $79,340	$89,220 (+26.03%) Land $9,880 Building $79,340
2022	$1,554.00	$70,790 Land $9,880 Building $60,910
2021			$70,790 Land $9,880 Building $60,910

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

Flood

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	3 in force

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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 625 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

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