920 Prospect Blvd, Waterloo, IA 50701 Property Records

Black Hawk County property record for 920 Prospect Blvd, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,945 sqft · built 1937
Lot Size	0.946 acres (41,200 sqft)
Owner	2 Individual Names on Record
Last Sale	$315,000 (Jun 2025)
Tax Bill	$7,000 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Nov 2017 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-34-378-014`

Property Details

APN / Parcel Number

Primary APN	`8913-34-378-014`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,945 sqft Living Area
1st Floor Area	942 sqft
Basement Area	942 sqft
Finished Basement	375 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1937
Effective Year Built	Effective 1937
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	41,200 sqft (0.946 acres)
Lot Dimensions	206 ft deep x 200 ft wide
Garage Type	Detached
Garage Area	728 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	920 PROSPECT BLVD
City	WATERLOO
State	IA
Zip	50701-3942
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PROSPECT HILLS ADDITION PART OF LOT 131 COM ON S LINE 135 FT E OF SW COR TH N PAR WITH W LINE TO N LINE TH E TO NE COR TH S
Legal Range	13W
Legal Township	89N
Legal Section	34
Legal Subdivision	PROSPECT HILLS ADDITION
Legal Lot Number	131
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	5
Census Block	5009
Census Tract	1400

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	2 Individual Names on Record
Mailing Address	920 PROSPECT BLVD, WATERLOO, IA 50701-3942
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2026	Deed of Trust, Mortgage · Line of Credit LINCOLN SAVINGS BANK
Nov 20, 2017	Deed of Trust, Mortgage · Construction Mortgage FIRST NATIONAL BANK
Mar 16, 2017	Deed of Trust, Mortgage · Commercial Mortgage LINCOLN SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2025 · Amount on Record
Deed Sale	Jun 30, 2025 · Amount on Record
Deed Document Number	20259300
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Recording Date	Aug 7, 2026
Property Address	920 PROSPECT BLVD, WATERLOO, IA 50701-3942
Document Number	0000011944
Instrument Date	Jul 21, 2026
Instrument	202611944
Transaction Type	Mortgage
Record Updated	Aug 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	920 PROSPECT BLVD, WATERLOO, IA 50701-3942

Mortgage

Document Number	0000011944,
Date	Aug 7, 2026
Instrument	202611944

Lender

Name	LINCOLN SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Jul 27, 2051

Interest

Rate Type	Adjustable Rate
Rate	6.49%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	920 PROSPECT BLVD, WATERLOO, IA 50701-3942
Transaction Type	Mortgage
Record Updated	Jul 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800008849
Date	Nov 20, 2017
Instrument	2018-00008849

Lender

Name	FIRST NATIONAL BANK
Type	Bank
Address	CEDAR FALLS, IA 50613

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Nov 15, 2018

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	920 PROSPECT BLVD, WATERLOO, IA 50701-3942
Transaction Type	Mortgage
Record Updated	Jul 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700016046
Date	Mar 16, 2017
Instrument	2017-00016046

Lender

Name	LINCOLN SAVINGS BANK
Type	Bank
Address	CEDAR FALLS, IA 50613

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	239 Months
Due	Feb 27, 2037

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	$7,000.00 (-3.21%)	$342,990 (+2.9%) Land $75,480 Building $267,510	$342,990 (+2.9%) Land $75,480 Building $267,510
2024	$7,232.00 (+18.29%)
2023		$333,330 (+19.73%) Land $75,480 Building $257,850	$333,330 (+19.73%) Land $75,480 Building $257,850
2022	$6,114.00	$278,410 Land $71,040 Building $207,370
2021			$278,410 Land $71,040 Building $207,370

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	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 352 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 · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130

May also be available: Nextlink, T-Mobile.

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