Black Hawk County property record for 74 Ricker St, Waterloo, IA 50703
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 600 sqft · built 1947 |
| Lot Size | 0.165 acres (7,176 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $720 (2025) |
| Deeds & Mortgages | Jul 2023 Line of Credit Aug 2021 Mortgage |
| Flood Zone | Zone X (reduced by levee) |
| APN | 8913-13-358-002 |
| Primary APN | 8913-13-358-002 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 600 sqft Living Area |
| 1st Floor Area | 600 sqft |
| Basement Area | 600 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1947 |
| Exterior Material | Aluminum Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,176 sqft (0.165 acres) |
| Lot Dimensions | 156 ft deep x 46 ft wide |
| Garage Type | Detached |
| Garage Area | 300 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 74 RICKER ST |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50703-2543 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RICKER AND BRATNOBERS ADDITION W 46 FT LOT 6 BLK 4 |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 13 |
| Legal Subdivision | RICKER AND BRATNOBERS ADDITION |
| Legal Block | 4 |
| Legal Lot Number | 6 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 1701 |
74 Ricker St is owned and occupied by an individual.
Source: Black Hawk County records, as of September 1, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 74 RICKER ST, WATERLOO, IA 50703-2543 |
| 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.
| Date | Document |
|---|---|
| Jul 31, 2023 | Deed of Trust, Mortgage · Line of Credit VERIDIAN CU |
| Aug 18, 2021 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 74 RICKER ST, WATERLOO, IA 50703-2543 |
| Transaction Type | Mortgage |
| Record Updated | Feb 19, 2026 |
| Name | Verified Name |
|---|---|
| Address | 74 RICKER ST, WATERLOO, IA 50703-2543 |
| Investor | Possibly a Property Investor |
| Document Number | 202400001435 |
|---|---|
| Date | Jul 31, 2023 |
| Instrument | 2024-00001435 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | PO BOX 6000, WATERLOO, IA 50704 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Jul 30, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 74 RICKER ST, WATERLOO, IA 50703-2543 |
| Transaction Type | Mortgage |
| Record Updated | Sep 1, 2021 |
| Title Company | TITLE SERVICES |
| Name | Verified Name |
|---|
| Document Number | 202200003717 |
|---|---|
| Date | Aug 18, 2021 |
| Instrument | 202200003717 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Sep 1, 2036 |
The 2025 property tax bill for 74 Ricker St was $720 with a homeowner's exemption, up 13.2% 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 | $720.00 (+13.21%) Homeowner's exemption | $46,180 Land $5,920 Building $40,260 | $46,180 Land $5,920 Building $40,260 |
| 2024 | $636.00 | ||
| 2023 | $39,510 (+32.36%) Land $5,920 Building $33,590 | $39,510 Land $5,920 Building $33,590 | |
| 2022 | $460.00 Homeowner's exemption | $29,850 Land $5,920 Building $23,930 | |
| 2021 | $29,850 Land $5,920 Building $23,930 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 74 Ricker St in Zone X, where a levee reduces flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
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 74 Ricker 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 98% of the US · lower than 82% of Iowa |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 568 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 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: GigFire, Nextlink, T-Mobile.
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