844 Cedar Bend St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 844 Cedar Bend St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,172 sqft · built 1959
Lot Size	0.225 acres (9,800 sqft)
Owner	Individual Name on Record
Last Sale	$122,000 (May 2017)
Tax Bill	$3,088 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-15-127-020`

Property Details

APN / Parcel Number

Primary APN	`8913-15-127-020`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,172 sqft Living Area
1st Floor Area	1,172 sqft
Basement Area	1,172 sqft
Finished Basement	700 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	9,800 sqft (0.225 acres)
Lot Dimensions	140 ft deep x 70 ft wide
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Deck Area	136 sqft
Patio Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	844 CEDAR BEND ST
City	WATERLOO
State	IA
Zip	50703-1612
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BRINKER THOMAS & MC CLELLAN ADDITION LOT 2 BLK 1
Legal Range	13W
Legal Township	89N
Legal Section	15
Legal Subdivision	BRINKER THOMAS & MC CLELLAN
Legal Block	1
Legal Lot Number	2
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2019
Census Tract	1600

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	Individual Name on Record
Mailing Address	844 CEDAR BEND ST, WATERLOO, IA 50703-1612
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2022	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
May 9, 2017	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 9, 2017 · Amount on Record
Deed Sale	May 9, 2017 · Amount on Record
Prior Sale	Jul 31, 2006 · Amount on Record
Deed Document Number	201719527
Prior Transfer Date	Feb 8, 2010
Prior Transfer Doc	0000017062
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	844 CEDAR BEND ST, WATERLOO, IA 50703-1612
Transaction Type	Mortgage
Record Updated	Jan 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	844 CEDAR BEND ST, WATERLOO, IA 50703-1612

Mortgage

Document Number	202300009434
Date	Dec 22, 2022
Instrument	202300009434

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 9, 2017
Property Address	844 CEDAR BEND ST, WATERLOO, IA 50703-1612
Document Number	201700019527
Instrument Date	May 5, 2017
Instrument	2017-00019527
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$194.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	844 CEDAR BEND ST, WATERLOO, IA 50703-1612

Mortgage

Document Number	201700019528
Date	May 9, 2017
Instrument	2017-00019528

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

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	$3,088.00 (+3.9%) Homeowner's exemption	$162,170 (+10.13%) Land $14,000 Building $148,170	$162,170 (+10.13%) Land $14,000 Building $148,170
2024	$2,972.00 (+25.61%)
2023		$147,250 (+26.3%) Land $14,000 Building $133,250	$147,250 (+26.3%) Land $14,000 Building $133,250
2022	$2,366.00 Homeowner's exemption	$116,590 Land $14,000 Building $102,590
2021			$116,590 Land $14,000 Building $102,590

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	4 in force
Nearby Flood Claims	2 (1978–1980)
Most Recent Claim	Jun 1980 · 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.

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 308 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
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

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