9702 Hess Rd, Waterloo, IA 50701 Property Records

Black Hawk County property record for 9702 Hess Rd, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,844 sqft · built 1968
Lot Size	2.84 acres (123,710 sqft)
Owner	2 Individual Names on Record
Last Sale	$390,000 (Apr 2024)
Tax Bill	$4,192 (2025)
Deeds & Mortgages	Apr 2017 Line of Credit Dec 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8713-02-426-002`

Property Details

APN / Parcel Number

Primary APN	`8713-02-426-002`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	1,844 sqft Living Area
1st Floor Area	1,819 sqft
Basement Area	1,819 sqft
Finished Basement	600 sqft
Unfinished Basement	1,819 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Split Level
Exterior Material	Composition/Composite
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	123,710 sqft (2.84 acres)

Exterior Amenities

Porch	Slab
Porch Area	180 sqft
Deck Area	760 sqft
Patio Area	640 sqft
Shed	1 Shed
Shed Area	240 sqft
Poultry House	Poultry House

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	9702 HESS RD
City	WATERLOO
State	IA
Zip	50701-9550
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THAT PART NE SE SEC 2 T 87 R 13 DES AS FOL BEG AT A PT 1150 FT S OF NE COR SE 1/4 SAID SEC 2 TH N ALONG E LINE SAID SEC WHICH
Legal Range	13W
Legal Township	87N
Legal Section	02
Jurisdiction	BLACK HAWK IA
Township / Civil Division	EAGLE
Census Block Group	3
Census Block	3027
Census Tract	3002

Owner

Source: Black Hawk County records, as of May 27, 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	9702 HESS RD, WATERLOO, IA 50701-9550
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 11, 2017	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Dec 7, 2017	Deed of Trust, Mortgage · ARM VERIDIAN CU
Apr 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Apr 19, 2024	Warranty Deed, Transfer · VA Mortgage GREENSTATE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 19, 2024 · Amount on Record
Deed Sale	Apr 19, 2024 · Amount on Record
Deed Document Number	202412935
Record Updated	Sep 20, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	9702 HESS RD, WATERLOO, IA 50701-9550
Transaction Type	Mortgage
Record Updated	May 21, 2024
Title Company	BLACK HAWK COUNTY ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700017778
Date	Apr 11, 2017
Instrument	2017-00017778

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 10, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	9702 HESS RD, WATERLOO, IA 50701-9550
Transaction Type	Mortgage
Record Updated	May 21, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800009825
Date	Dec 7, 2017
Instrument	2018-00009825

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2028
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.87%
Index	1-Year LIBOR
Max Rate	9.87%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	9702 HESS RD, WATERLOO, IA 50701-9550
Transaction Type	Mortgage
Record Updated	May 21, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100020678
Date	Apr 5, 2021
Instrument	202100020678

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 1, 2041

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 19, 2024
Property Address	9702 HESS RD, WATERLOO, IA 50701-9550
Document Number	202400012935
Instrument Date	Mar 21, 2024
Instrument	202400012935
Transaction Type	Transfer
Record Updated	Oct 17, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$623.20
Amount Accuracy	Rounded by County
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	9702 HESS RD, WATERLOO, IA 50701-9550

Mortgage

Document Number	202400012936
Date	Apr 19, 2024
Instrument	2024-00012936

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Iowa
County	Black Hawk County
Unified School District	Waterloo Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,192.00 Homeowner's exemption	$426,830 (+27.58%) Land $84,000 Building $342,830	$426,830 (+27.58%) Land $84,000 Building $342,830
2024	$4,192.00 (+8.26%)
2023		$334,560 (+12.78%) Land $72,000 Building $262,560	$334,560 (+12.78%) Land $72,000 Building $262,560
2022	$3,872.00 Homeowner's exemption	$296,650 Land $60,000 Building $236,650
2021			$296,650 Land $60,000 Building $236,650

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	5 (2008–2016)
Most Recent Claim	Sep 2016 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2016 · 2 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Jun 2014 · 2 claims

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 97% of the US · lower than 76% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Alpine Communications Fiber	500 / 500
GigFire Fixed Wireless	150 / 130

Cell Coverage

5G and 4G LTE (outdoors only)

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