Black Hawk County property record for 944 Colby Rd, Waterloo, IA 50701
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,686 sqft · built 1979 |
| Lot Size | 0.239 acres (10,400 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $230,000 (Aug 2019) |
| Tax Bill | $6,266 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage Aug 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 8813-04-454-014 |
| Primary APN | 8813-04-454-014 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Building Area | 1,686 sqft Living Area |
| 1st Floor Area | 1,686 sqft |
| Basement Area | 1,686 sqft |
| Finished Basement | 300 sqft |
| Unfinished Basement | 1,686 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Architectural Style | Split Level |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,400 sqft (0.239 acres) |
| Lot Dimensions | 130 ft deep x 80 ft wide |
| Porch | Slab |
|---|---|
| Porch Area | 50 sqft |
| Deck Area | 140 sqft |
| Patio Area | 140 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 944 COLBY RD |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50701-5204 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GRANGERS ADDITION LOT 64 |
| Legal Range | 13W |
| Legal Township | 88N |
| Legal Section | 04 |
| Legal Subdivision | GRANGERS ADDITION |
| Legal Lot Number | 64 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 1302 |
944 Colby Rd is owned and occupied by two individuals who bought it in August 2019.
Source: Black Hawk County records, as of September 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 944 COLBY RD, WATERLOO, IA 50701-5204 |
| 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.
| Date | Document |
|---|---|
| Jul 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Aug 19, 2019 | Warranty Deed, Transfer · Stand-Alone First Mortgage VERIDIAN CREDIT UNION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 19, 2019 · Amount on File |
| Deed Sale | Aug 19, 2019 · Amount on File |
| Deed Document Number | 2019202000003142 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 944 COLBY RD, WATERLOO, IA 50701-5204 |
| Transaction Type | Mortgage |
| Record Updated | Aug 4, 2021 |
| Title Company | TITLE SERVICES |
| Name | Verified Name |
|---|
| Document Number | 202200001884 |
|---|---|
| Date | Jul 23, 2021 |
| Instrument | 202200001884 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Aug 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Aug 19, 2019 |
| Property Address | 944 COLBY RD, WATERLOO, IA 50701-5204 |
| Document Number | 202000003142 |
| Instrument Date | Aug 19, 2019 |
| Instrument | 202000003142 |
| Transaction Type | Transfer |
| Record Updated | Feb 10, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 944 COLBY RD, WATERLOO, IA 50701-5204 |
| Document Number | 202000003143 |
|---|---|
| Date | Aug 19, 2019 |
| Instrument | 202000003143 |
| Name | VERIDIAN CREDIT UNION |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2049 |
The 2025 property tax bill for 944 Colby Rd was $6,266 with a homeowner's exemption, up 9.4% 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 | $6,266.00 (+9.35%) Homeowner's exemption | $317,870 Land $31,360 Building $286,510 | $317,870 Land $31,360 Building $286,510 |
| 2024 | $5,730.00 | ||
| 2023 | $274,370 (+24.32%) Land $31,360 Building $243,010 | $274,370 Land $31,360 Building $243,010 | |
| 2022 | $4,652.00 Homeowner's exemption | $220,690 Land $31,360 Building $189,330 | |
| 2021 | $220,690 Land $31,360 Building $189,330 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 944 Colby Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims 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 | 2 in force |
| Nearby Flood Claims | 2 (2010–2018) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Sep 2018 · 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 risk around 944 Colby Rd 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 99.1% of the US · lower than 91% 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.
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 290 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 |
| CenturyLink DSL | 140 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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