855 Prospect Blvd, Waterloo, IA 50701 Property Records

Black Hawk County property record for 855 Prospect Blvd, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,456 sqft · built 1950
Lot Size	0.262 acres (11,400 sqft)
Owner	Individual on Record
Last Sale	$242,000 (Jun 2019)
Tax Bill	$4,020 (2025)
Deeds & Mortgages	Mar 2019 Refinance Sep 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`8913-34-451-023`

Property Details

APN / Parcel Number

Primary APN	`8913-34-451-023`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,456 sqft Living Area
1st Floor Area	728 sqft
Basement Area	728 sqft
Finished Basement	300 sqft
Unfinished Basement	728 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,400 sqft (0.262 acres)
Lot Dimensions	152 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	352 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	338 sqft
Deck Area	Deck Area
Patio Area	442 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	855 PROSPECT BLVD
City	WATERLOO
State	IA
Zip	50701-3954
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUTH PROSPECT ADDITION LOT 10
Legal Range	13W
Legal Township	89N
Legal Section	34
Legal Subdivision	SOUTH PROSPECT ADDITION
Legal Lot Number	10
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	5
Census Block	5008
Census Tract	1400

Owner

Source: Black Hawk County assessment roll, as of October 17, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual on Record
Mailing Address	855 PROSPECT BLVD, WATERLOO, IA 50701-3954
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 28, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CEDAR FALLS COMMUNITY CREDIT UNION
Sep 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK
Jul 16, 2021	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Jun 10, 2019	Warranty Deed, Transfer
Jun 2, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 10, 2019 · Amount on Record
Deed Sale	Jun 10, 2019 · Amount on Record
Prior Sale	Nov 5, 2010 · Amount on Record
Deed Document Number	201918615
Record Updated	Sep 20, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	855 PROSPECT BLVD, WATERLOO, IA 50701-3954
Transaction Type	Mortgage
Record Updated	Jul 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900014354
Date	Mar 28, 2019
Instrument	201900014354

Lender

Name	CEDAR FALLS COMMUNITY CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	61 Months
Due	Apr 1, 2024

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	855 PROSPECT BLVD, WATERLOO, IA 50701-3954
Transaction Type	Mortgage
Record Updated	Jul 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100004799
Date	Sep 2, 2020
Instrument	202100004799

Lender

Name	BANK
Type	Bank
Address	HULL, IA 51239

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	855 PROSPECT BLVD, WATERLOO, IA 50701-3954
Transaction Type	Mortgage
Record Updated	Jul 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	855 PROSPECT BLVD, WATERLOO, IA 50701-3954

Mortgage

Document Number	202200001273
Date	Jul 16, 2021
Instrument	202200001273

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jul 15, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 10, 2019
Property Address	855 PROSPECT BLVD, WATERLOO, IA 50701-3954
Document Number	201900018615
Instrument Date	May 31, 2019
Instrument	201900018615
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	855 PROSPECT BLVD, WATERLOO, IA 50701-3954

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 2, 2017
Property Address	855 PROSPECT BLVD, WATERLOO, IA 50701-3954
Document Number	201700021037
Instrument Date	May 30, 2017
Instrument	2017-00021037
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	855 PROSPECT BLVD, WATERLOO, IA 50701-3954

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	$4,020.00 Homeowner's exemption	$236,360 (+20.91%) Land $30,600 Building $205,760	$236,360 (+20.91%) Land $30,600 Building $205,760
2024	$4,020.00 (+1.98%)
2023		$195,490 (+8.93%) Land $30,600 Building $164,890	$195,490 (+8.93%) Land $30,600 Building $164,890
2022	$3,942.00	$179,460 Land $30,600 Building $148,860
2021			$179,460 Land $30,600 Building $148,860

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	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

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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