Black Hawk County property record for 809 Locke Ave, Waterloo, IA 50702
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,181 sqft · built 1957 |
| Lot Size | 0.274 acres (11,928 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,462 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 8913-35-451-013 |
| Primary APN | 8913-35-451-013 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,181 sqft Living Area |
| 1st Floor Area | 1,181 sqft |
| Basement Area | 1,181 sqft |
| Finished Basement | 700 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 11,928 sqft (0.274 acres) |
| Lot Dimensions | 142 ft deep x 84 ft wide |
| Garage Type | Attached |
| Garage Area | 280 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 220 sqft |
| Patio Area | 120 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 809 LOCKE AVE |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50702-4117 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LINCOLN HEIGHTS ADDITION LOT 16 BLK 10 LOT 17 BLK 10 |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 35 |
| Legal Subdivision | LINCOLN HEIGHTS ADDITION |
| Legal Block | 10 |
| Legal Lot Number | 16,17 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 1200 |
809 Locke Ave is owned and occupied by two individuals.
Source: Black Hawk County records, as of September 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 809 LOCKE AVE, WATERLOO, IA 50702-4117 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 809 Locke Ave was $3,462 with a homeowner's exemption, up 3.6% 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 | $3,462.00 (+3.59%) Homeowner's exemption | $195,130 Land $29,400 Building $165,730 | $195,130 Land $29,400 Building $165,730 |
| 2024 | $3,342.00 | ||
| 2023 | $178,000 (+19.65%) Land $29,400 Building $148,600 | $178,000 Land $29,400 Building $148,600 | |
| 2022 | $3,072.00 Homeowner's exemption | $148,770 Land $29,400 Building $119,370 | |
| 2021 | $148,770 Land $29,400 Building $119,370 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 809 Locke Ave in Zone X, an area of minimal flood risk, though there have been 14 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 | 14 (1979–2018) |
| Claims Outside the SFHA | 3 of 14 |
| Most Recent Claim | Oct 2018 · rainfall accumulation |
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.
The area around 809 Locke Ave has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 399 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 |
| GigFire Fixed Wireless | 150 / 130 |
May also be available: AT&T, Nextlink, Verizon.
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