Black Hawk County property record for 720 Cataract Ave, Waterloo, IA 50702
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,012 sqft · built 1959 |
| Lot Size | 0.215 acres (9,380 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $176,000 (Jun 2025) |
| Tax Bill | $3,778 (2025) |
| Deeds & Mortgages | Jun 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 8813-03-181-003 |
| Primary APN | 8813-03-181-003 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,012 sqft Living Area |
| 1st Floor Area | 1,012 sqft |
| Basement Area | 1,012 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 9,380 sqft (0.215 acres) |
| Lot Dimensions | 140 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 770 sqft |
| Parking Spaces | 3 Parking Spaces |
| Patio Area | 273 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 720 CATARACT AVE |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50702-5122 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CRESTVIEW FIRST ADDITION LOT 132 |
| Legal Range | 13W |
| Legal Township | 88N |
| Legal Section | 03 |
| Legal Subdivision | CRESTVIEW FIRST ADDITION |
| Legal Lot Number | 132 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 1301 |
720 Cataract Ave is owner-occupied and held in a trust since June 2025.
Source: Black Hawk County records, as of September 1, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 720 CATARACT AVE, WATERLOO, IA 50702-5122 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 18, 2025 · Amount on File |
| Deed Sale | Jun 18, 2025 · Amount on File |
| Prior Sale | May 25, 2010 |
| Deed Document Number | 20258734 |
| Prior Transfer Date | May 24, 2010 |
| Prior Transfer Doc | 2010024083 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Jun 18, 2025 |
| Property Address | 720 CATARACT AVE, WATERLOO, IA 50702-5122 |
| Document Number | 0202508734 |
| Instrument Date | Jun 11, 2025 |
| Instrument | 2025-08734 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2025 |
| Title Company | BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK CNTY ABSTRACT & T |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $297.80 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3949 SCENIC DR, CEDAR FALLS, IA 50613 |
| Document Number | 0202508736 |
|---|---|
| Date | Jun 18, 2025 |
| Instrument | 2025-08736 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jul 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 5% |
| Max Rate At Change | 9% |
| Index | 1-Year CMT |
| Max Rate | 13% |
The 2025 property tax bill for 720 Cataract Ave was $3,778 with a homeowner's exemption, up 16.9% from the year before.
Source: Black Hawk County assessment roll, as of October 17, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,778.00 (+16.89%) Homeowner's exemption | $185,080 Land $24,380 Building $160,700 | $185,080 Land $24,380 Building $160,700 |
| 2024 | $3,232.00 | ||
| 2023 | $172,920 (+26.76%) Land $24,380 Building $148,540 | $172,920 Land $24,380 Building $148,540 | |
| 2022 | $2,802.00 Homeowner's exemption | $136,420 Land $24,380 Building $112,040 | |
| 2021 | $136,420 Land $24,380 Building $112,040 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 720 Cataract Ave in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1979.
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 | 1 in force |
| Nearby Flood Claims | 6 (1979–1990) |
| Claims Outside the SFHA | 1 of 6 |
| Most Recent Claim | Jun 1990 · river or lake flooding |
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 risk around 720 Cataract Ave 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 99.1% of the US · lower than 91% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 345 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Waterloo Fiber Fiber | 10,000 / 10,000 |
| Metronet Fiber | 5,120 / 5,120 |
| Mediacom Xtream Cable · Fiber in parts of the area | 1,000 / 50 |
May also be available: GigFire, T-Mobile, Verizon.
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