651 Maxwell St, Waterloo, IA 50701 Property Records

Black Hawk County property record for 651 Maxwell St, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 928 sqft · built 1955
Lot Size	0.955 acres (41,580 sqft)
Owner	Individual Name on File
Last Sale	$108,000 (Sep 2019)
Tax Bill	$2,708 (2025)
Deeds & Mortgages	Sep 2019 Mortgage Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-21-429-044`

Property Details

APN / Parcel Number

Primary APN	`8913-21-429-044`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	928 sqft Living Area
1st Floor Area	928 sqft
Basement Area	928 sqft
Unfinished Basement	928 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Flat
Roof Material	Tar & Gravel
Lot Area	41,580 sqft (0.955 acres)
Lot Dimensions	630 ft deep x 66 ft wide
Garage Type	Attached
Garage Area	294 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	182 sqft
Deck Area	144 sqft
Patio Area	144 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	651 MAXWELL ST
City	WATERLOO
State	IA
Zip	50701-2030
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNPLATTED WLOO WEST N 66 FT S 330 FT E 630 FT W 660 FT SW NE SE SEC 21 T 89 R 13
Legal Range	13W
Legal Township	89N
Legal Section	21
Legal Subdivision	UNPLATTED WLOO WEST
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1010
Census Tract	1503

Owner

651 Maxwell St is owned and occupied by an individual who bought it in September 2019.

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

Owner of Record	Individual Name on File
Mailing Address	651 MAXWELL ST, WATERLOO, IA 50701-2030
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2019	Deed of Trust, Mortgage · Stand-Alone First Mortgage VERIDIAN CREDIT UNION
Sep 23, 2019	Warranty Deed, Transfer · ARM VERIDIAN CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 23, 2019 · Amount on File
Deed Sale	Sep 23, 2019 · Amount on File
Prior Sale	May 9, 2016 · Amount on File
Deed Document Number	2019202000005420
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	651 MAXWELL ST, WATERLOO, IA 50701-2030
Transaction Type	Mortgage
Record Updated	Oct 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000005422
Date	Sep 23, 2019
Instrument	202000005422

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	121 Months
Due	Oct 1, 2029

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 23, 2019
Property Address	651 MAXWELL ST, WATERLOO, IA 50701-2030
Document Number	202000005420
Instrument Date	Sep 7, 2019
Instrument	202000005420
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	651 MAXWELL ST, WATERLOO, IA 50701-2030

Mortgage

Document Number	202000005421
Date	Sep 23, 2019
Instrument	202000005421

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Oct 1, 2029
Index	Other

Tax Assessment & Valuation

The 2025 property tax bill for 651 Maxwell St was $2,708 with a homeowner's exemption, down 3.8% 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	$2,708.00 (-3.77%) Homeowner's exemption	$143,600 Land $27,720 Building $115,880	$143,600 Land $27,720 Building $115,880
2024	$2,814.00
2023		$139,960 (+32.69%) Land $27,720 Building $112,240	$139,960 Land $27,720 Building $112,240
2022	$2,122.00 Homeowner's exemption	$105,480 Land $27,720 Building $77,760
2021			$105,480 Land $27,720 Building $77,760

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

Flood

FEMA maps place 651 Maxwell 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 651 Maxwell 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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