Black Hawk County property record for 854 Belle St, Waterloo, IA 50702
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,084 sqft · built 1968 |
| Lot Size | 0.275 acres (12,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $130,000 (Dec 2005) |
| Tax Bill | $3,822 (2025) |
| Deeds & Mortgages | Oct 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 8812-07-328-009 |
| Primary APN | 8812-07-328-009 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Building Area | 1,084 sqft Living Area |
| 1st Floor Area | 1,084 sqft |
| Basement Area | 542 sqft |
| Finished Basement | 350 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Architectural Style | Split Level |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,000 sqft (0.275 acres) |
| Lot Dimensions | 150 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 782 sqft |
| Parking Spaces | 3 Parking Spaces |
| Deck Area | 144 sqft |
|---|---|
| Patio Area | 144 sqft |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 854 BELLE ST |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50702-4617 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CEDAR TERRACE THIRD ADDITION LOT 169 |
| Legal Range | 12W |
| Legal Township | 88N |
| Legal Section | 07 |
| Legal Subdivision | CEDAR TERRACE THIRD ADDITION |
| Legal Lot Number | 169 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 2901 |
854 Belle St is owned and occupied by two individuals who bought it in December 2005.
Source: Black Hawk County records, as of September 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 854 BELLE ST, WATERLOO, IA 50702-4617 |
| 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 |
|---|---|
| Last Sale | Dec 7, 2005 · Amount on File |
| Deed Sale | Dec 7, 2005 · Amount on File |
| Deed Document Number | 20052006014585 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 854 BELLE ST, WATERLOO, IA 50702-4617 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2017 |
| Name | Verified Name |
|---|
| Document Number | , 2018-00006150 |
|---|---|
| Date | Oct 6, 2017 |
| Instrument | 2018-00006150 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | WATERLOO, IA 50701 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2047 |
The 2025 property tax bill for 854 Belle St was $3,822 with a homeowner's exemption, down 4.9% 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 | $3,822.00 (-4.93%) Homeowner's exemption | $198,210 Land $20,400 Building $177,810 | $198,210 Land $20,400 Building $177,810 |
| 2024 | $4,020.00 | ||
| 2023 | $195,540 (+27.95%) Land $20,400 Building $175,140 | $195,540 Land $20,400 Building $175,140 | |
| 2022 | $3,162.00 Homeowner's exemption | $152,820 Land $20,400 Building $132,420 | |
| 2021 | $152,820 Land $20,400 Building $132,420 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 854 Belle St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 49 policies |
| Nearby Flood Policies | 49 in force |
| Nearby Flood Claims | 118 (1978–2016) |
| Claims Outside the SFHA | 11 of 118 |
| Most Recent Claim | Sep 2016 · Severe Storms And Flooding |
| Claims by Event |
|
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 risk around 854 Belle St is low, with 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 | 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.
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 220 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 |
| GigFire Fixed Wireless | 150 / 130 |
May also be available: T-Mobile.
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