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Residential (General/Single)Residential
$256,426$291 / 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 89How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026

1414 COMMERCIAL ST

WATERLOO, IA 50702
2
Beds
1.5
Baths
882 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.
4,200 ft²
Lot SizeThe size of the land the home sits on, from county records.
1905
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
4
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

$256K
$228K low$285K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$76 (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.$3,680 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$3,680
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$3,680
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$3,680

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.15
59
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
1
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
15
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.23 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Residential (General/Single)
CountyBLACK HAWK
Lot (acres)The size of the land the home sits on, from county records.0.10
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.None
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
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.Patio · 30 ft²

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

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

E
Lowell Elementary SchoolD-
Elementary · Grades PK–5 · 0.3 mi
H
Waterloo West High SchoolD
High · Grades 9–12 · 1.6 mi
M
Bunger Middle SchoolD-
Middle · Grades 6–8 · 3.1 mi

District: Waterloo Community School District

Neighborhood · ZIP 50702These 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.100
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 100.14

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.92%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.16%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.14%
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.20,569
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,006 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$61,539
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$74,786
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%

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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

1414 Commercial 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 92% of homes in Waterloo 50702
  • Among the highest price per square foot in Waterloo 50702
  • Smaller than 81% of homes in Black Hawk County
  • Has a smaller lot than 86% of homes in Black Hawk County
  • Older than 96% of homes in Waterloo 50702

What homes are worth in Waterloo 50702

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

This home
$61K$310K

This home is worth more than 92% of homes in Waterloo 50702.

How it measures up in Waterloo 50702

The dot is this home. The mark in the middle is the typical home in Waterloo 50702.

Estimated value$256,426
CheaperTypical $152,252Pricier

Pricier than 92% of homes nearby

Price per ft²$291
CheaperTypical $152Pricier

Pricier than almost all homes nearby

Living area882 ft²
SmallerTypical 1,061 ft²Bigger

Bigger than 26% of homes nearby

Lot size4,200 ft²
SmallerTypical 0.17 acBigger

Bigger than 21% of homes nearby

Year built1905
OlderTypical 1956Newer

Newer than 4% of homes nearby

How 1414 Commercial St ranks against every home in each area.
MeasureThis homeWaterloo 50702Black Hawk County
Estimated valuepricier than$256,42692% of homes70% of homes
Price per ft²pricier than$291almost all homes95% of homes
Living areabigger than882 ft²26% of homes19% of homes
Lot sizebigger than4,200 ft²21% of homes14% of homes
Year builtnewer than19054% of homes6% of homes

About 1414 Commercial St

How much is 1414 Commercial St, Waterloo, IA worth?

The TopHap Estimate for 1414 Commercial St, Waterloo, IA is $256,426 as of Sep 24, 2026. The likely range is $227,997 to $284,855. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1414 Commercial St, Waterloo, IA last sell?

1414 Commercial St, Waterloo, IA last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 1414 Commercial St, Waterloo, IA?

1414 Commercial St, Waterloo, IA has 2 bedrooms, 1.5 bathrooms, 882 square feet of living space and a 0.10-acre lot.

When was 1414 Commercial St, Waterloo, IA built?

1414 Commercial St, Waterloo, IA was built in 1905, making it 121 years old. The building has 2 stories.

What schools serve 1414 Commercial St, Waterloo, IA?

1414 Commercial St, Waterloo, IA is assigned to Lowell Elementary School (elementary), rated D-; Waterloo West High School (high), rated D; Bunger Middle School (middle), rated D-. All sit in Waterloo Community School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 1414 Commercial St, Waterloo, IA compare to other homes in Waterloo 50702?

Among the 8,601 homes in Waterloo 50702, it is worth more than 92% of them ($256,426 against a typical $152,252), its price per square foot is higher than almost all of them ($291 against a typical $152), it is bigger than 26% of them (882 ft² against a typical 1,061 ft²), its lot is bigger than 21% of them (4,200 ft² against a typical 0.17 ac) and it is newer than 4% of them (1905 against a typical 1956). Measured against all of Black Hawk County, it is worth more than 70% 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 1414 Commercial St, Waterloo, IA?

The 2025 property tax bill for 1414 Commercial St, Waterloo, IA was $76. The county assessed it at $3,680.

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