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CondominiumResidential
Last sold for $90,000 on Oct 31, 2024

406 LOCUST ST

WATERLOO, IA 50701
1
Beds
1 / 3
Baths
644 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.
1,025 ft²
Lot SizeThe size of the land the home sits on, from county records.
1906
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
3
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$90,000 · Oct 31, 2024

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$498 (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.$24,360 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$2,570
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$21,790
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$21,450
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$24,360

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
38
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.
66
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
53
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.0.02
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
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.DeckPatio · 36 ft²

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

E
Irving Elementary SchoolD
Elementary · Grades KG–5 · 0.2 mi
H
Waterloo West High SchoolD
High · Grades 9–12 · 1.3 mi
M
Central Middle SchoolF
Middle · Grades 6–8 · 2.5 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.30,091
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.$69,009
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$88,898
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

406 Locust 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.

  • Smaller than 96% of homes in Black Hawk County
  • Has a smaller lot than 98% of homes in Waterloo 50701
  • Older than 97% 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.

Living area644 ft²
SmallerTypical 1,188 ft²Bigger

Bigger than 6% of homes nearby

Lot size1,025 ft²
SmallerTypical 0.19 acBigger

Bigger than 2% of homes nearby

Year built1906
OlderTypical 1966Newer

Newer than 3% of homes nearby

How 406 Locust St ranks against every home in each area.
MeasureThis homeChurch RowWaterloo 50701Black Hawk County
Living areabigger than644 ft²8% of homes6% of homes4% of homes
Lot sizebigger than1,025 ft²5% of homes2% of homes2% of homes
Year builtnewer than190630% of homes3% of homes6% of homes

About 406 Locust St

When did 406 Locust St, Waterloo, IA last sell?

406 Locust St, Waterloo, IA last sold on Oct 31, 2024 for $90,000, according to the county's recorded deed.

How big is 406 Locust St, Waterloo, IA?

406 Locust St, Waterloo, IA has 1 bedrooms, 1 bathrooms, 644 square feet of living space and a 0.02-acre lot.

When was 406 Locust St, Waterloo, IA built?

406 Locust St, Waterloo, IA was built in 1906, making it 120 years old. It is a condo/apartment home. The building has 1 story.

What schools serve 406 Locust St, Waterloo, IA?

406 Locust St, Waterloo, IA is assigned to Irving Elementary School (elementary), rated D; Waterloo West High School (high), rated D; Central Middle School (middle), rated F. All sit in Waterloo Community School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 406 Locust St, Waterloo, IA compare to other homes in Waterloo 50701?

Among the 12,581 homes in Waterloo 50701, it is bigger than 6% of them (644 ft² against a typical 1,188 ft²), its lot is bigger than 2% of them (1,025 ft² against a typical 0.19 ac) and it is newer than 3% of them (1906 against a typical 1966). These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 406 Locust St, Waterloo, IA?

The 2025 property tax bill for 406 Locust St, Waterloo, IA was $498. The county assessed it at $24,360.

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