646 Jane St, Waterloo, IA 50701 Property Records

Black Hawk County property record for 646 Jane St, Waterloo, IA 50701 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 994 sqft · built 1961
Lot Size	0.193 acres (8,400 sqft)
Owner	2 Individual Names on File
Last Sale	$98,000 (Sep 2005)
Tax Bill	$2,874 (2025)
Deeds & Mortgages	Oct 2011 Mortgage Sep 2005 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`8913-33-406-022`

Property Details

APN / Parcel Number

Primary APN	`8913-33-406-022`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	994 sqft Living Area
1st Floor Area	994 sqft
Basement Area	994 sqft
Finished Basement	400 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	8,400 sqft (0.193 acres)
Lot Dimensions	120 ft deep x 70 ft wide
Garage Type	Detached
Garage Area	352 sqft
Parking Spaces	1 Parking Space
Patio Area	252 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	646 JANE ST
City	WATERLOO
State	IA
Zip	50701-4321
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MARTIN HEIGHTS LOT 31
Legal Range	13W
Legal Township	89N
Legal Section	33
Legal Subdivision	MARTIN HEIGHTS
Legal Lot Number	31
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1013
Census Tract	1501

Owner

Source: Black Hawk County records · APN 8913-33-406-022

Assessment roll updated October 17, 2025 · Last verified August 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	646 JANE ST, WATERLOO, IA 50701-4321
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 11, 2011	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
Sep 13, 2005	Legal Action/Court Order, Foreclosure · ARM JOHN DEERE COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 13, 2005 · Amount on Record
Deed Sale	Sep 13, 2005 · Amount on Record
Deed Document Number	20052006007058
Record Updated	Sep 20, 2026

October 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	646 JANE ST, WATERLOO, IA 50701-4321
Transaction Type	Mortgage
Record Updated	Apr 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2012006534
Date	Oct 11, 2011
Instrument	2012006534

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 01, 2026

September 2005: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 13, 2005
Property Address	646 JANE ST, WATERLOO, IA 50701-4321
Document Number	2006007058
Instrument Date	Aug 31, 2005
Instrument	2006007058
Transaction Type	Foreclosure
Record Updated	Apr 03, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$156.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	646 JANE ST, WATERLOO, IA 50701-4321

Mortgage

Document Number	2006007059
Date	Sep 13, 2005
Instrument	2006007059

Lender

Name	JOHN DEERE COMMUNITY CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Sep 01, 2035

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Type Change Date	Sep 01, 2012
Change Frequency	Annually
Min Rate At Change	3.12%
Max Rate At Change	7.12%
Index	1-Year T-Bill
Max Rate	11.1%

Tax Assessment & Valuation

Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified August 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,874.00 Homeowner's exemption	$160,010 (+12.11%) Land $24,940 Building $135,070	$160,010 (+12.11%) Land $24,940 Building $135,070
2024	$2,874.00 (+10.37%)
2023		$142,730 (+12.01%) Land $24,940 Building $117,790	$142,730 (+12.01%) Land $24,940 Building $117,790
2022	$2,604.00 Homeowner's exemption	$127,430 Land $24,940 Building $102,490
2021			$127,430 Land $24,940 Building $102,490

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Black Hawk County (19013C), updated September 27, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 190130015011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Cost	Premium on Record median of 11 individual NFIP policies nearby
Nearby Flood Policies	11 in force
Nearby Flood Claims	15 (1979–2020)
Most Recent Claim	Jul 2020, rainfall accumulation
Claims By Storm	Severe Storms, Flooding, And Tornadoes, Jul 2010 · 3 claims Severe Storms & Flooding, Jul 1993 · 4 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 180 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Waterloo Telecommunications Utility	Fiber	10,000 / 10,000
Metronet Holdings	Fiber	5,120 / 5,120
Mediacom Communications	Cable	1,000 / 50
Verizon	Fixed Wireless	300 / 20
LTD Broadband	Fixed Wireless (licensed-by-rule)	150 / 130

May also be available at this address: AMG Technology Investment Group. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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