840 Hickory St, Waterloo, IA 50701 Property Records

Black Hawk County property record for 840 Hickory St, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,792 sqft · built 1941
Lot Size	0.205 acres (8,940 sqft)
Owner	Individual Name on File
Last Sale	$120,000 (Jul 2021)
Tax Bill	$3,144 (2025)
Deeds & Mortgages	Oct 2026 Line of Credit Oct 2017 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`8913-21-453-007`

Property Details

APN / Parcel Number

Primary APN	`8913-21-453-007`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,792 sqft Living Area
1st Floor Area	788 sqft
Attic	Attic
Attic Area	276 sqft
Basement Area	788 sqft
Unfinished Basement	788 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1941
Exterior Material	Aluminum Siding
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,940 sqft (0.205 acres)
Lot Dimensions	149 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	840 HICKORY ST
City	WATERLOO
State	IA
Zip	50701-2029
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KREBS ADDITION LOT 8 BLK 4
Legal Range	13W
Legal Township	89N
Legal Section	21
Legal Subdivision	KREBS ADDITION
Legal Block	4
Legal Lot Number	8
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1013
Census Tract	1503

Owner

840 Hickory St is owned and occupied by an individual who bought it in July 2021.

Source: Black Hawk County records, as of October 9, 2026

Owner of Record	Individual Name on File
Mailing Address	840 HICKORY ST, WATERLOO, IA 50701-2029
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2026	Deed of Trust, Mortgage · Line of Credit UNION CREDIT UNION
Oct 27, 2017	Deed of Trust, Mortgage · Line of Credit US BANK NA
Sep 15, 2021	Deed of Trust, Mortgage · Line of Credit GREENSTATE CU
Sep 14, 2021	Deed of Trust, Mortgage · Line of Credit GREENSTATE CU
Jul 23, 2021	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 23, 2021 · Amount on File
Deed Sale	Jul 23, 2021 · Amount on File
Deed Document Number	2021202200001823
Prior Transfer Date	Jul 15, 2021
Prior Transfer Doc	202200001823
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 2, 2026
Property Address	840 HICKORY ST, WATERLOO, IA 50701-2029
Document Number	0000015028
Instrument Date	Sep 28, 2026
Instrument	202615028
Transaction Type	Mortgage
Record Updated	Oct 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	840 HICKORY ST, WATERLOO, IA 50701-2029

Mortgage

Document Number	0000015028,
Date	Oct 2, 2026
Instrument	202615028

Lender

Name	UNION CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	840 HICKORY ST, WATERLOO, IA 50701-2029
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800007436
Date	Oct 27, 2017
Instrument	2018-00007436

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 8, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	840 HICKORY ST, WATERLOO, IA 50701-2029
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200005858
Date	Sep 15, 2021
Instrument	202200005858

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	840 HICKORY ST, WATERLOO, IA 50701-2029
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200005748
Date	Sep 14, 2021
Instrument	202200005748

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Sep 13, 2026

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jul 23, 2021
Property Address	840 HICKORY ST, WATERLOO, IA 50701-2029
Document Number	202200001823
Instrument Date	Jul 15, 2021
Instrument	202200001823
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$191.20
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	840 HICKORY ST, WATERLOO, IA 50701-2029

Mortgage

Document Number	202200001824
Date	Jul 23, 2021
Instrument	202200001824

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 840 Hickory St was $3,144 with a homeowner's exemption, down 4.3% 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	$3,144.00 (-4.26%) Homeowner's exemption	$179,540 Land $17,440 Building $162,100	$179,540 Land $17,440 Building $162,100
2024	$3,284.00
2023		$175,350 (+44.49%) Land $17,440 Building $157,910	$175,350 Land $17,440 Building $157,910
2022	$2,666.00 Homeowner's exemption	$121,360 Land $17,440 Building $103,920
2021			$121,360 Land $17,440 Building $103,920

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

Flood

FEMA maps place 840 Hickory St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 27, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 840 Hickory 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 99.1% of the US · lower than 91% 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 407 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable	1,000 / 50
CenturyLink DSL	140 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink, Verizon.

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