845 Prospect Blvd, Waterloo, IA 50701 Property Records

Black Hawk County property record for 845 Prospect Blvd, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,086 sqft · built 1941
Lot Size	0.347 acres (15,100 sqft)
Owner	Individual Name on File
Last Sale	$265,000 (Oct 2021)
Tax Bill	$6,512 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Sep 2021 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-34-451-025`

Property Details

APN / Parcel Number

Primary APN	`8913-34-451-025`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,086 sqft Living Area
1st Floor Area	936 sqft
Basement Area	990 sqft
Finished Basement	375 sqft
Unfinished Basement	990 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1941
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,100 sqft (0.347 acres)
Lot Dimensions	151 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	840 sqft
Parking Spaces	3 Parking Spaces
Patio Area	198 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	845 PROSPECT BLVD
City	WATERLOO
State	IA
Zip	50701-3954
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUTH PROSPECT ADDITION LOT 12 S 25 FT LOT 13
Legal Range	13W
Legal Township	89N
Legal Section	34
Legal Subdivision	SOUTH PROSPECT ADDITION
Legal Lot Number	12,13
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	5
Census Block	5008
Census Tract	1400

Owner

845 Prospect Blvd is owned and occupied by an individual who bought it in October 2021.

Source: Black Hawk County records, as of September 1, 2026

Owner of Record	Individual Name on File
Mailing Address	845 PROSPECT BLVD, WATERLOO, IA 50701-3954
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 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage GREENSTATE CU
Sep 8, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage GREENSTATE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 16, 2021 · Amount on File
Deed Sale	Oct 16, 2021 · Amount on File
Prior Sale	Oct 16, 2020 · Amount on File
Deed Document Number	20218094
Prior Transfer Date	Jun 8, 2005
Prior Transfer Doc	2005028676
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	845 PROSPECT BLVD, WATERLOO, IA 50701-3954
Transaction Type	Mortgage
Record Updated	Feb 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100009238
Date	Oct 28, 2020
Instrument	202100009238

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	845 PROSPECT BLVD, WATERLOO, IA 50701-3954
Transaction Type	Mortgage
Record Updated	Sep 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200005386
Date	Sep 8, 2021
Instrument	202200005386

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	60 Months
Due	Sep 15, 2026

Tax Assessment & Valuation

The 2025 property tax bill for 845 Prospect Blvd was $6,512 with a homeowner's exemption, up 12.2% 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	$6,512.00 (+12.16%) Homeowner's exemption	$329,990 Land $40,800 Building $289,190	$329,990 Land $40,800 Building $289,190
2024	$5,806.00
2023		$277,840 (+11.9%) Land $40,800 Building $237,040	$277,840 Land $40,800 Building $237,040
2022	$5,258.00 Homeowner's exemption	$248,300 Land $40,800 Building $207,500
2021			$248,300 Land $40,800 Building $207,500

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

Flood

FEMA maps place 845 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 845 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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