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Single Family ResidenceResidential
$67,400$42 / 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 70How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026

503 COTTAGE ST

WATERLOO, IA 50703
5
Beds
2.5
Baths
1,624 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.
0.14 ac
Lot SizeThe size of the land the home sits on, from county records.
1909
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
9
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$67K
$47K low$87K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,412 (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.$69,230 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$6,750
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$62,480
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$58,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$69,230

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.39 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.Single Family Residence
CountyBLACK HAWK
Lot (acres)The size of the land the home sits on, from county records.0.14
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
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 · 133 ft²Porch · 84 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
Dr. Walter Cunningham School for ExcellenceF
Elementary · Grades PK–5 · 0.3 mi
H
Waterloo East High SchoolF
High · Grades 9–12 · 0.5 mi
M
George Washington Carver AcademyF
Middle · Grades 6–8 · 1.1 mi

District: Waterloo Community School District

Neighborhood · ZIP 50703These 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.131
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.79
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.12

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.90%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.8.7%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.22%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.18,803
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.200 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$49,881
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$60,949
Average tempThe average temperature here across a full year.47°F
Annual precipHow much rain and melted snow falls here in a typical year.34 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

503 Cottage 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 92% of homes in Black Hawk County
  • Costs less per square foot than 97% of homes in Black Hawk County
  • Bigger than 94% of homes in Unity
  • Has a smaller lot than 75% of homes in Black Hawk County
  • Older than 92% of homes in Black Hawk County

What homes are worth in Waterloo 50703

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

This home
$31K$358K

This home is worth more than 41% of homes in Waterloo 50703.

How it measures up in Waterloo 50703

The dot is this home. The mark in the middle is the typical home in Waterloo 50703.

Estimated value$67,400
CheaperTypical $77,139Pricier

Pricier than 41% of homes nearby

Price per ft²$42
CheaperTypical $81Pricier

Pricier than 11% of homes nearby

Living area1,624 ft²
SmallerTypical 1,058 ft²Bigger

Bigger than 87% of homes nearby

Lot size0.14 ac
SmallerTypical 0.16 acBigger

Bigger than 33% of homes nearby

Year built1909
OlderTypical 1939Newer

Newer than 18% of homes nearby

How 503 Cottage St ranks against every home in each area.
MeasureThis homeUnityWaterloo 50703Black Hawk County
Estimated valuepricier than$67,40052% of homes41% of homes8% of homes
Price per ft²pricier than$4210% of homes11% of homes3% of homes
Living areabigger than1,624 ft²94% of homes87% of homes77% of homes
Lot sizebigger than0.14 ac38% of homes33% of homes25% of homes
Year builtnewer than190919% of homes18% of homes8% of homes

About 503 Cottage St

How much is 503 Cottage St, Waterloo, IA worth?

The TopHap Estimate for 503 Cottage St, Waterloo, IA is $67,400 as of Oct 21, 2026. The likely range is $47,472 to $87,328. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 503 Cottage St, Waterloo, IA last sell?

503 Cottage St, Waterloo, IA last sold on Sep 6, 2006, according to the county's recorded deed.

How big is 503 Cottage St, Waterloo, IA?

503 Cottage St, Waterloo, IA has 5 bedrooms, 2.5 bathrooms, 1,624 square feet of living space and a 0.14-acre lot.

When was 503 Cottage St, Waterloo, IA built?

503 Cottage St, Waterloo, IA was built in 1909, making it 117 years old. The building has 2 stories.

What schools serve 503 Cottage St, Waterloo, IA?

503 Cottage St, Waterloo, IA is assigned to Dr. Walter Cunningham School for Excellence (elementary), rated F; Waterloo East High School (high), rated F; George Washington Carver Academy (middle), rated F. All sit in Waterloo Community School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 503 Cottage St, Waterloo, IA compare to other homes in Waterloo 50703?

Among the 7,469 homes in Waterloo 50703, it is worth more than 41% of them ($67,400 against a typical $77,139), its price per square foot is higher than 11% of them ($42 against a typical $81), it is bigger than 87% of them (1,624 ft² against a typical 1,058 ft²), its lot is bigger than 33% of them (0.14 ac against a typical 0.16 ac) and it is newer than 18% of them (1909 against a typical 1939). Measured against all of Black Hawk County, it is worth more than 8% 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 503 Cottage St, Waterloo, IA?

The 2025 property tax bill for 503 Cottage St, Waterloo, IA was $1,412. The county assessed it at $69,230.

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