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Single Family ResidenceResidential
$133,215$60 / 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 95How 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
Last sold for $135,000 on Apr 14, 2026

432 VERMONT ST

WATERLOO, IA 50701
4
Beds
2 / 2
Baths
2,234 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.
0.19 ac
Lot SizeThe size of the land the home sits on, from county records.
1903
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
7
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

$133K
$127K low$140K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$135,000 · Apr 14, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,288 (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.$88,560 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$9,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$79,560
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$76,790
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$88,560

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyBLACK HAWK
Lot (acres)The size of the land the home sits on, from county records.0.19
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, 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.Deck · 184 ft²Patio · 184 ft²

Transaction History(6)

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
Irving Elementary SchoolD+
Elementary · Grades KG–5 · 0.3 mi
H
Waterloo West High SchoolD
High · Grades 9–12 · 1.1 mi
M
Central Middle SchoolF
Middle · Grades 6–8 · 2.4 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

432 Vermont 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 95% of homes in Church Row
  • Costs less per square foot than 95% of homes in Waterloo 50701
  • Bigger than 93% of homes in Black Hawk County
  • Has a bigger lot than 84% of homes in Church Row
  • Older than 98% 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
$48K$548K

This home is worth more than 25% 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$133,215
CheaperTypical $207,621Pricier

Pricier than 25% of homes nearby

Price per ft²$60
CheaperTypical $171Pricier

Pricier than 5% of homes nearby

Living area2,234 ft²
SmallerTypical 1,200 ft²Bigger

Bigger than 91% of homes nearby

Lot size0.19 ac
SmallerTypical 0.19 acBigger

Bigger than 51% of homes nearby

Year built1903
OlderTypical 1966Newer

Newer than 2% of homes nearby

How 432 Vermont St ranks against every home in each area.
MeasureThis homeChurch RowWaterloo 50701Black Hawk County
Estimated valuepricier than$133,21595% of homes25% of homes27% of homes
Price per ft²pricier than$6073% of homes5% of homes6% of homes
Living areabigger than2,234 ft²90% of homes91% of homes93% of homes
Lot sizebigger than0.19 ac84% of homes51% of homes44% of homes
Year builtnewer than190321% of homes2% of homes5% of homes

About 432 Vermont St

How much is 432 Vermont St, Waterloo, IA worth?

The TopHap Estimate for 432 Vermont St, Waterloo, IA is $133,215 as of Sep 24, 2026. The likely range is $126,827 to $139,603. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 432 Vermont St, Waterloo, IA last sell?

432 Vermont St, Waterloo, IA last sold on Apr 14, 2026 for $135,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 432 Vermont St, Waterloo, IA?

432 Vermont St, Waterloo, IA has 4 bedrooms, 2 bathrooms, 2,234 square feet of living space and a 0.19-acre lot.

When was 432 Vermont St, Waterloo, IA built?

432 Vermont St, Waterloo, IA was built in 1903, making it 123 years old. The building has 2 stories.

What schools serve 432 Vermont St, Waterloo, IA?

432 Vermont 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 432 Vermont St, Waterloo, IA compare to other homes in Waterloo 50701?

Among the 12,581 homes in Waterloo 50701, it is worth more than 25% of them ($133,215 against a typical $207,621), its price per square foot is higher than 5% of them ($60 against a typical $171), it is bigger than 91% of them (2,234 ft² against a typical 1,200 ft²), its lot is bigger than 51% of them (0.19 ac against a typical 0.19 ac) and it is newer than 2% of them (1903 against a typical 1966). Measured against all of Black Hawk County, it is worth more than 27% 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 432 Vermont St, Waterloo, IA?

The 2025 property tax bill for 432 Vermont St, Waterloo, IA was $1,288. The county assessed it at $88,560.

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