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CondominiumResidential
$148,872$168 / 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 91How 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
Last sold for $106,000 on Nov 12, 2015

309 RACHAEL ST

WATERLOO, IA 50701
1
Beds
1.5
Baths
884 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.
0.13 ac
Lot SizeThe size of the land the home sits on, from county records.
1975
Year BuiltThe year the home was originally built, according to county records.
3
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$149K
$135K low$163K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$106,000 · Nov 12, 2015
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.$120,572
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$96,458
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.19%
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.$28,300
VERIDIAN CU · recorded Jan 22, 2007

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,318 (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.$129,500 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$10,910
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$118,590
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$106,870
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$129,500

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.35
37
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
6
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
67
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
54
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. 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.7 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.Condominium
StyleThe architectural style of the home, such as ranch or colonial.Condo/Apartment
CountyBLACK HAWK
Lot (acres)The size of the land the home sits on, from county records.0.13
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
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.Deck · 120 ft²Patio · 144 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
Lou Henry Elementary SchoolC-
Elementary · Grades KG–5 · 0.1 mi
M
Hoover Middle SchoolB-
Middle · Grades 6–8 · 0.2 mi
H
Waterloo West High SchoolD
High · Grades 9–12 · 0.8 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.Owner occupied
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

309 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 less than 71% of homes in Waterloo 50701
  • Smaller than 81% of homes in Black Hawk County
  • Has a smaller lot than 81% of homes in Black Hawk County
  • Newer than 67% of homes in Black Hawk County

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$568K

This home is worth more than 29% 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$148,872
CheaperTypical $207,778Pricier

Pricier than 29% of homes nearby

Price per ft²$168
CheaperTypical $171Pricier

Pricier than 48% of homes nearby

Living area884 ft²
SmallerTypical 1,188 ft²Bigger

Bigger than 21% of homes nearby

Lot size0.13 ac
SmallerTypical 0.19 acBigger

Bigger than 29% of homes nearby

Year built1975
OlderTypical 1966Newer

Newer than 66% of homes nearby

How 309 Rachael St ranks against every home in each area.
MeasureThis homeWaterloo 50701Black Hawk County
Estimated valuepricier than$148,87229% of homes33% of homes
Price per ft²pricier than$16848% of homes53% of homes
Living areabigger than884 ft²21% of homes19% of homes
Lot sizebigger than0.13 ac29% of homes19% of homes
Year builtnewer than197566% of homes67% of homes

About 309 Rachael St

How much is 309 Rachael St, Waterloo, IA worth?

The TopHap Estimate for 309 Rachael St, Waterloo, IA is $148,872 as of Jul 14, 2026. The likely range is $134,761 to $162,983. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 309 Rachael St, Waterloo, IA last sell?

309 Rachael St, Waterloo, IA last sold on Nov 12, 2015 for $106,000, according to the county's recorded deed.

How big is 309 Rachael St, Waterloo, IA?

309 Rachael St, Waterloo, IA has 1 bedrooms, 1.5 bathrooms, 884 square feet of living space and a 0.13-acre lot.

When was 309 Rachael St, Waterloo, IA built?

309 Rachael St, Waterloo, IA was built in 1975, making it 51 years old. It is a condo/apartment home.

What schools serve 309 Rachael St, Waterloo, IA?

309 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 309 Rachael St, Waterloo, IA compare to other homes in Waterloo 50701?

Among the 12,581 homes in Waterloo 50701, it is worth more than 29% of them ($148,872 against a typical $207,778), its price per square foot is higher than 48% of them ($168 against a typical $171), it is bigger than 21% of them (884 ft² against a typical 1,188 ft²), its lot is bigger than 29% of them (0.13 ac against a typical 0.19 ac) and it is newer than 66% of them (1975 against a typical 1966). Measured against all of Black Hawk County, it is worth more than 33% 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 309 Rachael St, Waterloo, IA?

The 2025 property tax bill for 309 Rachael St, Waterloo, IA was $2,318. The county assessed it at $129,500.

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