751 Prospect Blvd, Waterloo, IA 50701 Property Records

Black Hawk County property record for 751 Prospect Blvd, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,792 sqft · built 1955
Lot Size	0.37 acres (16,120 sqft)
Owner	2 Individual Names on Record
Last Sale	$205,000 (Apr 2009)
Tax Bill	$5,652 (2025)
Deeds & Mortgages	Aug 2021 Mortgage May 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8913-34-404-051`

Property Details

APN / Parcel Number

Primary APN	`8913-34-404-051`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Building Area	1,792 sqft Living Area
1st Floor Area	1,792 sqft
Basement Area	1,792 sqft
Finished Basement	475 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Split Level
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,120 sqft (0.37 acres)
Lot Dimensions	248 ft deep x 80 ft wide
Patio Area	840 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	751 PROSPECT BLVD
City	WATERLOO
State	IA
Zip	50701-3937
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PROSPECT HILLS ADDITION PART LOT 39 COM AT NWLY COR SAID LOT TH ELY ALONG NLY LINE TO NELY COR SAID LOT TH SLY ALONG ELY LINE
Legal Range	13W
Legal Township	89N
Legal Section	34
Legal Subdivision	PROSPECT HILLS ADDITION
Legal Lot Number	39,80
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	5
Census Block	5002
Census Tract	1400

Owner

Source: Black Hawk County records, as of September 1, 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 Record
Mailing Address	751 PROSPECT BLVD, WATERLOO, IA 50701-3937
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
May 17, 2019	Deed of Trust, Mortgage · Balloon Mortgage VERIDIAN CREDIT UNION
Aug 7, 2017	Deed of Trust, Mortgage VERIDIAN CU
Aug 2, 2017	Deed of Trust, Mortgage · ARM VERIDIAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2009 · Amount on Record
Deed Sale	Apr 1, 2009 · Amount on Record
Prior Sale	Jun 5, 2007 · Amount on Record
Deed Document Number	200918336
Prior Transfer Date	Mar 27, 2009
Prior Transfer Doc	0000018336
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	751 PROSPECT BLVD, WATERLOO, IA 50701-3937
Transaction Type	Mortgage
Record Updated	Aug 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	751 PROSPECT BLVD, WATERLOO, IA 50701-3937

Mortgage

Document Number	202200002960
Date	Aug 9, 2021
Instrument	202200002960

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2041

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	751 PROSPECT BLVD, WATERLOO, IA 50701-3937
Transaction Type	Mortgage
Record Updated	Jun 20, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900017146
Date	May 17, 2019
Instrument	201900017146

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	751 PROSPECT BLVD, WATERLOO, IA 50701-3937
Transaction Type	Mortgage
Record Updated	Aug 30, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 2018-00002242
Date	Aug 7, 2017
Instrument	2018-00002242

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Amount	Amount Recorded
Term	84 Months
Due	Aug 10, 2024

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	751 PROSPECT BLVD, WATERLOO, IA 50701-3937
Transaction Type	Mortgage
Record Updated	Aug 22, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 2018-00001989
Date	Aug 2, 2017
Instrument	2018-00001989

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2022
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.12%
Index	1-Year LIBOR
Max Rate	9.12%

Tax Assessment & Valuation

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	$5,652.00 (-2.52%)	$276,950 (+3.62%) Land $32,480 Building $244,470	$276,950 (+3.62%) Land $32,480 Building $244,470
2024	$5,798.00 (+17.85%)
2023		$267,270 (+19.3%) Land $32,480 Building $234,790	$267,270 (+19.3%) Land $32,480 Building $234,790
2022	$4,920.00	$224,040 Land $32,480 Building $191,560
2021			$224,040 Land $32,480 Building $191,560

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

Flood

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	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2010 · other causes

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

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.

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 359 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	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

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