765 Prospect Blvd, Waterloo, IA 50701 Property Records

Black Hawk County property record for 765 Prospect Blvd, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,568 sqft · built 1940
Lot Size	0.389 acres (16,940 sqft)
Owner	2 Trust Names on File
Last Sale	$387,500 (Oct 2026)
Tax Bill	$6,376 (2025)
Deeds & Mortgages	Oct 2026 Sale Sep 2023 Sale & Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-34-404-050`

Property Details

APN / Parcel Number

Primary APN	`8913-34-404-050`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,568 sqft Living Area
1st Floor Area	704 sqft
Basement Area	704 sqft
Finished Basement	300 sqft
Unfinished Basement	704 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Hip
Roof Material	Asphalt
Lot Area	16,940 sqft (0.389 acres)
Lot Dimensions	242 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	524 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	40 sqft
Deck Area	487 sqft
Patio Area	487 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	765 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 BEG AT SW COR SAID LOT TH ELY ALONG S LINE TO SE COR SAID LOT TH NELY ALONG ELY LINE SAID
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

765 Prospect Blvd is owner-occupied and held in a trust since October 2026.

Source: Black Hawk County records, as of October 19, 2026

Owner of Record	2 Trust Names on File
Mailing Address	765 PROSPECT BLVD, WATERLOO, IA 50701-3937
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Oct 9, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Sep 8, 2023	Warranty Deed, Transfer · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 9, 2026 · Amount on File
Deed Sale	Oct 9, 2026 · Amount on File
Prior Sale	Sep 8, 2024 · Amount on File
Deed Document Number	202615330
Prior Transfer Date	Feb 3, 2012
Prior Transfer Doc	0000014630
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 9, 2026
Property Address	765 PROSPECT BLVD, WATERLOO, IA 50701-3937
Document Number	0000015330
Instrument Date	Sep 29, 2026
Instrument	202615330
Transaction Type	Transfer
Record Updated	Oct 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount 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
Relationship	Revocable Trust
Address	765 PROSPECT BLVD, WATERLOO, IA 50701-3937

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 8, 2023
Property Address	765 PROSPECT BLVD, WATERLOO, IA 50701-3937
Document Number	202400003493
Instrument Date	Aug 31, 2023
Instrument	202400003493
Transaction Type	Transfer
Record Updated	Sep 27, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$559.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	765 PROSPECT BLVD, WATERLOO, IA 50701-3937

Mortgage

Document Number	202400003494
Date	Sep 8, 2023
Instrument	202400003494

Lender

Name	FINANCE OF AMERICA REVERSE LLC
Type	Reverse Mortgage Lender

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	971 Months
Due	Aug 17, 2104

Interest

Rate Type	Adjustable Rate
Rate	7.64%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2023
Change Frequency	Monthly
Index	1-Year T-Bill
Max Rate	12.6%

Tax Assessment & Valuation

The 2025 property tax bill for 765 Prospect Blvd was $6,376 with a homeowner's exemption, down 2.6% 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	$6,376.00 (-2.57%) Homeowner's exemption	$337,860 Land $32,200 Building $305,660	$337,860 Land $32,200 Building $305,660
2024	$6,544.00
2023		$316,180 (+21.21%) Land $32,200 Building $283,980	$316,180 Land $32,200 Building $283,980
2022	$5,460.00 Homeowner's exemption	$260,860 Land $32,200 Building $228,660
2021			$260,860 Land $32,200 Building $228,660

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

Flood

FEMA maps place 765 Prospect Blvd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2010.

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

Wildfire risk around 765 Prospect Blvd 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.

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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