645 Dundee Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 645 Dundee Ave, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 672 sqft · built 1953
Lot Size	0.115 acres (5,000 sqft)
Owner	Individual Name on File
Last Sale	$147,000 (Mar 2026)
Tax Bill	$2,334 (2025)
Deeds & Mortgages	Jun 2023 Mortgage Sep 2014 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`8913-22-306-015`

Property Details

APN / Parcel Number

Primary APN	`8913-22-306-015`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	672 sqft Living Area
1st Floor Area	672 sqft
Basement Area	672 sqft
Finished Basement	250 sqft
Unfinished Basement	672 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	125 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	25 sqft
Deck Area	204 sqft
Patio Area	258 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	645 DUNDEE AVE
City	WATERLOO
State	IA
Zip	50701-5821
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FIRST ADDITION TO GALLOWAY LOT 93
Legal Range	13W
Legal Township	89N
Legal Section	22
Legal Subdivision	FIRST ADDITION TO GALLOWAY
Legal Lot Number	93
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2009
Census Tract	400

Owner

645 Dundee Ave is owned and occupied by an individual who bought it in March 2026.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	645 DUNDEE AVE, WATERLOO, IA 50701-5821
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2023	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Sep 23, 2014	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Mar 31, 2026	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Sep 5, 2023	Warranty Deed, Transfer TITLE SERVICES
Jul 24, 2009	Special Warranty Deed, Transfer · FHA Mortgage LIBERTY BANK FSB
Nov 19, 2008	Special Warranty Deed, Transfer
Nov 19, 2008	Sheriff's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2026 · Amount on File
Deed Sale	Mar 31, 2026 · Amount on File
Prior Sale	Sep 5, 2024 · Amount on File
Deed Document Number	20264220
Prior Transfer Date	Oct 29, 2008
Prior Transfer Doc	2009010025
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	645 DUNDEE AVE, WATERLOO, IA 50701-5821
Transaction Type	Mortgage
Record Updated	Apr 9, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 DUNDEE AVE, WATERLOO, IA 50701-5821

Mortgage

Document Number	202300016664
Date	Jun 12, 2023
Instrument	202300016664

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	255 Months
Due	Sep 1, 2044

September 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	645 DUNDEE AVE, WATERLOO, IA 50701-5821
Transaction Type	Mortgage
Record Updated	Apr 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201500005308
Date	Sep 23, 2014
Instrument	201500005308

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2044

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Mar 31, 2026
Property Address	645 DUNDEE AVE, WATERLOO, IA 50701-5821
Document Number	0202604220
Instrument Date	Mar 29, 2026
Instrument	2026-04220
Transaction Type	Transfer
Record Updated	Apr 9, 2026
Title Company	TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$234.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 DUNDEE AVE, WATERLOO, IA 50701-5821

Mortgage

Document Number	0202604221
Date	Mar 31, 2026
Instrument	2026-04221

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2036
Change Frequency	Annually
Min Rate At Change	3.87%
Max Rate At Change	7.87%
Index	1-Year CMT
Max Rate	11.8%

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 5, 2023
Property Address	645 DUNDEE AVE, WATERLOO, IA 50701-5821
Document Number	202400003264
Instrument Date	Aug 29, 2023
Instrument	202400003264
Transaction Type	Transfer
Record Updated	Apr 9, 2026
Title Company	TITLE SERVICES

Transaction

Amount	Amount on Record
Tax	$117.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 DUNDEE AVE, WATERLOO, IA 50701-5821

July 2009: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jul 24, 2009
Property Address	645 DUNDEE AVE, WATERLOO, IA 50701-5821
Document Number	2010001839
Instrument Date	Jul 20, 2009
Instrument	2010001839
Transaction Type	Transfer
Record Updated	Apr 9, 2026

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 DUNDEE AVE

Mortgage

Document Number	2010001840
Date	Jul 24, 2009
Instrument	2010001840

Lender

Name	LIBERTY BANK FSB
Type	Bank
Address	WEST DES MOINES, IA 50266

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2039

November 2008: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 19, 2008
Property Address	645 DUNDEE AVE, WATERLOO, IA 50701-5821
Document Number	2009010026
Instrument Date	Oct 31, 2008
Instrument	2009010026
Transaction Type	Transfer
Record Updated	Apr 9, 2026

Transaction

Amount	Amount on Record
Tax	$133.60
Amount Accuracy	Rounded by County
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 S WACKER DR, CHICAGO, IL 60606-4614
Investor	Possibly a Property Investor

November 2008: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 19, 2008
Property Address	645 DUNDEE AVE, WATERLOO, IA 50701-5821
Document Number	2009010025
Instrument Date	Oct 29, 2008
Instrument	2009010025
Transaction Type	Foreclosure
Record Updated	Apr 9, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 919000, DES MOINES, IA 50306

Tax Assessment & Valuation

The 2025 property tax bill for 645 Dundee Ave was $2,334, up 13.9% 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	$2,334.00 (+13.85%)	$114,390 Land $12,610 Building $101,780	$114,390 Land $12,610 Building $101,780
2024	$2,050.00
2023		$100,690 (+25.77%) Land $12,610 Building $88,080	$100,690 Land $12,610 Building $88,080
2022	$1,564.00 Homeowner's exemption	$80,060 Land $12,610 Building $67,450
2021			$80,060 Land $12,610 Building $67,450

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

Flood

FEMA maps place 645 Dundee Ave 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

The area around 645 Dundee Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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.

Nearby Properties on Dundee Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures