701 Cedar Bend St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 701 Cedar Bend St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,296 sqft · built 1929
Lot Size	0.574 acres (25,000 sqft)
Owner	Individual Name on File
Last Sale	$137,000 (Nov 2023)
Tax Bill	$2,598 (2025)
Deeds & Mortgages	May 2019 Mortgage Jun 2019 Mortgage + 4 more
Flood Zone	Zone X (reduced by levee)
APN	`8913-15-126-002`

Property Details

APN / Parcel Number

Primary APN	`8913-15-126-002`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,296 sqft Living Area
1st Floor Area	960 sqft
Attic	Attic
Attic Area	336 sqft
Basement Area	960 sqft
Unfinished Basement	960 sqft
Game Room	Game Room
Flooring	Vinyl/Resilient
Interior Walls	Plaster

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1929
Exterior Material	Other
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	25,000 sqft (0.574 acres)
Lot Dimensions	250 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	800 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	80 sqft
Deck Area	294 sqft
Patio Area	294 sqft
Shed	1 Shed
Shed Area	90 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	701 CEDAR BEND ST
City	WATERLOO
State	IA
Zip	50703-1609
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNPLATTED WLOO EAST PART OF NE NW SEC 15 T 89 R 13 COM ON W LINE CEDAR BEND ST AT PT 620 FT N OF N LINE OF LOT G CEDAR DALE
Legal Range	13W
Legal Township	89N
Legal Section	15
Legal Subdivision	UNPLATTED WLOO EAST
Legal Lot Number	G
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1025
Census Tract	1600

Owner

701 Cedar Bend St is owned and occupied by an individual who bought it in November 2023.

Source: Black Hawk County records, as of October 9, 2026

Owner of Record	Individual Name on File
Mailing Address	701 CEDAR BEND ST, WATERLOO, IA 50703-1609
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
May 23, 2019	Deed of Trust, Mortgage · Stand-Alone First Mortgage LUANA SAVINGS BANK
Jun 12, 2019	Deed of Trust, Mortgage · Stand-Alone First Mortgage LUANA SAVINGS BANK
Jun 19, 2019	Deed of Trust, Mortgage · Stand-Alone First Mortgage LUANA SAVINGS BANK
Nov 10, 2022	Warranty Deed, Transfer · VA Mortgage VERIDIAN CU
Oct 11, 2017	Warranty Deed, Transfer · Conventional Mortgage LINCOLN SAVINGS BANK
Oct 31, 2017	Warranty Deed, Transfer · Conventional Mortgage LINCOLN SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 10, 2023 · Amount on File
Deed Sale	Nov 10, 2023 · Amount on File
Prior Sale	Nov 10, 2022 · Amount on File
Deed Document Number	20237566
Record Updated	Oct 29, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	701 CEDAR BEND ST, WATERLOO, IA 50703-1609
Transaction Type	Mortgage
Record Updated	Oct 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900017509
Date	May 23, 2019
Instrument	201900017509

Lender

Name	LUANA SAVINGS BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	701 CEDAR BEND ST, WATERLOO, IA 50703-1609
Transaction Type	Mortgage
Record Updated	Oct 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900018754
Date	Jun 12, 2019
Instrument	201900018754

Lender

Name	LUANA SAVINGS BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	701 CEDAR BEND ST, WATERLOO, IA 50703-1609
Transaction Type	Mortgage
Record Updated	Oct 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900019191
Date	Jun 19, 2019
Instrument	201900019191

Lender

Name	LUANA SAVINGS BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 10, 2022
Property Address	701 CEDAR BEND ST, WATERLOO, IA 50703-1609
Document Number	202300007566
Instrument Date	Oct 26, 2022
Instrument	202300007566
Transaction Type	Transfer
Record Updated	Jun 1, 2023
Title Company	TITLE SERVICES

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$218.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	701 CEDAR BEND ST, WATERLOO, IA 50703-1609

Mortgage

Document Number	202300007567
Date	Nov 10, 2022
Instrument	202300007567

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 11, 2017
Property Address	701 CEDAR BEND ST, WATERLOO, IA 50703-1609
Document Number	201800006431
Instrument Date	Oct 10, 2017
Instrument	2018-00006431
Transaction Type	Transfer
Record Updated	Jun 1, 2023

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	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	701 CEDAR BEND ST, WATERLOO, IA 50703-1609
Investor	Possibly a Property Investor

Mortgage

Document Number	201800006432
Date	Oct 11, 2017
Instrument	2018-00006432

Lender

Name	LINCOLN SAVINGS BANK
Type	Bank
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 31, 2017
Property Address	701 CEDAR BEND ST, WATERLOO, IA 50703-1609
Document Number	201800007639
Instrument Date	Oct 10, 2017
Instrument	201800007639
Transaction Type	Transfer
Record Updated	Jun 1, 2023

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	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	701 CEDAR BEND ST, WATERLOO, IA 50703-1609

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	701 CEDAR BEND ST, WATERLOO, IA 50703-1609
Investor	Possibly a Property Investor

Mortgage

Document Number	201800007640
Date	Oct 31, 2017
Instrument	2018-00007640

Lender

Name	LINCOLN SAVINGS BANK
Type	Bank
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 701 Cedar Bend St was $2,598 with a homeowner's exemption, up 2.4% 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	$2,598.00 (+2.44%) Homeowner's exemption	$138,170 Land $23,200 Building $114,970	$138,170 Land $23,200 Building $114,970
2024	$2,536.00
2023		$121,360 (+28.8%) Land $23,200 Building $98,160	$121,360 Land $23,200 Building $98,160
2022	$1,874.00 Homeowner's exemption	$94,220 Land $23,200 Building $71,020
2021			$94,220 Land $23,200 Building $71,020

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

Flood

FEMA maps place 701 Cedar Bend St in Zone X, where a levee reduces flood risk, though there have been 58 flood claims nearby since 1983.

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 reduced by levee · depends on levee performance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	58 (1983–2016)
Claims Outside the SFHA	17 of 58
Most Recent Claim	Sep 2016 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2016 · 20 claims Severe Storms, Tornadoes, And Flooding, Jun 2008 · 18 claims Severe Storms & Flooding, Aug 1993 · 15 claims

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

Wildfire risk around 701 Cedar Bend St is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 65% of Iowa
Wildfire Likelihood	0.02% 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 171 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

Nearby Properties on Cedar Bend St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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