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Single Family ResidenceResidential
$280,000$102 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 98How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

1037 RACHAEL ST

WATERLOO, IA 50701
4
Beds
5 / 2
Baths
2,740 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.32 ac
Lot SizeThe size of the land the home sits on, from county records.
1959
Year BuiltThe year the home was originally built, according to county records.
9
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$280K
$273K low$287K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$58,915
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$47,132
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.79%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$191,250
DEERE EMPLOYEES CU · 3.62% 1 · recorded Aug 26, 2010
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$29,835
VERIDIAN CU

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$7,142 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$375,140 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$39,340
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$335,800
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$329,230
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$375,140

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Split Level
CountyBLACK HAWK
Lot (acres)The size of the land the home sits on, from county records.0.32
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 144 ft²

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Lou Henry Elementary SchoolC-
Elementary · Grades KG–5 · 0.5 mi
M
Hoover Middle SchoolB-
Middle · Grades 6–8 · 0.6 mi
H
Waterloo West High SchoolD
High · Grades 9–12 · 1.2 mi

District: Waterloo Community School District

Neighborhood · ZIP 50701These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.101
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.84
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.13

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.20%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.16%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.30,093
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.444 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$69,008
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$88,896
Average tempThe average temperature here across a full year.47°F
Annual precipHow much rain and melted snow falls here in a typical year.35 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.61%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

1037 Rachael St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 76% of homes in Waterloo 50701
  • Costs less per square foot than 87% of homes in Waterloo 50701
  • Bigger than 97% of homes in Black Hawk County
  • Has a bigger lot than 77% of homes in Waterloo 50701

What homes are worth in Waterloo 50701

Each bar is how many homes fall in that price range. The marker is this home.

This home
$50K$593K

This home is worth more than 76% of homes in Waterloo 50701.

How it measures up in Waterloo 50701

The dot is this home. The mark in the middle is the typical home in Waterloo 50701.

Estimated value$280,000
CheaperTypical $208,799Pricier

Pricier than 76% of homes nearby

Price per ft²$102
CheaperTypical $172Pricier

Pricier than 13% of homes nearby

Living area2,740 ft²
SmallerTypical 1,190 ft²Bigger

Bigger than 96% of homes nearby

Lot size0.32 ac
SmallerTypical 0.19 acBigger

Bigger than 77% of homes nearby

Year built1959
OlderTypical 1966Newer

Newer than 42% of homes nearby

How 1037 Rachael St ranks against every home in each area.
MeasureThis homeWaterloo 50701Black Hawk County
Estimated valuepricier than$280,00076% of homes76% of homes
Price per ft²pricier than$10213% of homes17% of homes
Living areabigger than2,740 ft²96% of homes97% of homes
Lot sizebigger than0.32 ac77% of homes74% of homes
Year builtnewer than195942% of homes49% of homes

About 1037 Rachael St

How much is 1037 Rachael St, Waterloo, IA worth?

The TopHap Estimate for 1037 Rachael St, Waterloo, IA is $280,000 as of Jul 14, 2026. The likely range is $273,411 to $286,589. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1037 Rachael St, Waterloo, IA last sell?

1037 Rachael St, Waterloo, IA last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 1037 Rachael St, Waterloo, IA?

1037 Rachael St, Waterloo, IA has 4 bedrooms, 5 bathrooms, 2,740 square feet of living space and a 0.32-acre lot.

When was 1037 Rachael St, Waterloo, IA built?

1037 Rachael St, Waterloo, IA was built in 1959, making it 67 years old. It is a split level home.

What schools serve 1037 Rachael St, Waterloo, IA?

1037 Rachael St, Waterloo, IA is assigned to Lou Henry Elementary School (elementary), rated C-; Hoover Middle School (middle), rated B-; Waterloo West High School (high), rated D. All sit in Waterloo Community School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 1037 Rachael St, Waterloo, IA compare to other homes in Waterloo 50701?

Among the 12,581 homes in Waterloo 50701, it is worth more than 76% of them ($280,000 against a typical $208,799), its price per square foot is higher than 13% of them ($102 against a typical $172), it is bigger than 96% of them (2,740 ft² against a typical 1,190 ft²), its lot is bigger than 77% of them (0.32 ac against a typical 0.19 ac) and it is newer than 42% of them (1959 against a typical 1966). Measured against all of Black Hawk County, it is worth more than 76% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 1037 Rachael St, Waterloo, IA?

The 2025 property tax bill for 1037 Rachael St, Waterloo, IA was $7,142. The county assessed it at $375,140.

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Closest homes

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Assigned schools

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