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Single Family ResidenceResidential
$59,795$84 / 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 80How 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
Last sold for $70,000 on Dec 18, 2025

545 CUTLER ST

WATERLOO, IA 50703
2
Beds
1
Baths
716 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.
0.15 ac
Lot SizeThe size of the land the home sits on, from county records.
1929
Year BuiltThe year the home was originally built, according to county records.
1
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.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$60K
$48K low$72K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$70,000 · Dec 18, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,304 (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.$63,940 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$6,370
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$57,570
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$54,050
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$63,940

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.9 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.1 percent flood zone

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.0.15
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
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 · 152 ft²Patio · 152 ft²Porch · 133 ft²

Transaction History(3)

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.

M
George Washington Carver AcademyF
Middle · Grades 6–8 · 0.1 mi
E
Lincoln Elementary SchoolD-
Elementary · Grades PK–5 · 1.2 mi
H
Waterloo East High SchoolF
High · Grades 9–12 · 1.3 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%

Owner Tools

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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

545 Cutler 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 94% of homes in Black Hawk County
  • Costs more per square foot than 89% of homes in Common Grounds
  • Smaller than 93% of homes in Black Hawk County
  • Has a smaller lot than 73% of homes in Black Hawk County
  • Older than 82% 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
$32K$356K

This home is worth more than 31% 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$59,795
CheaperTypical $77,263Pricier

Pricier than 31% of homes nearby

Price per ft²$84
CheaperTypical $80Pricier

Pricier than 53% of homes nearby

Living area716 ft²
SmallerTypical 1,056 ft²Bigger

Bigger than 9% of homes nearby

Lot size0.15 ac
SmallerTypical 0.16 acBigger

Bigger than 38% of homes nearby

Year built1929
OlderTypical 1939Newer

Newer than 43% of homes nearby

How 545 Cutler St ranks against every home in each area.
MeasureThis homeCommon GroundsWaterloo 50703Black Hawk County
Estimated valuepricier than$59,79563% of homes31% of homes6% of homes
Price per ft²pricier than$8489% of homes53% of homes13% of homes
Living areabigger than716 ft²12% of homes9% of homes7% of homes
Lot sizebigger than0.15 ac63% of homes38% of homes27% of homes
Year builtnewer than192974% of homes43% of homes18% of homes

About 545 Cutler St

How much is 545 Cutler St, Waterloo, IA worth?

The TopHap Estimate for 545 Cutler St, Waterloo, IA is $59,795 as of Oct 21, 2026. The likely range is $47,547 to $72,043. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 545 Cutler St, Waterloo, IA last sell?

545 Cutler St, Waterloo, IA last sold on Dec 18, 2025 for $70,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 545 Cutler St, Waterloo, IA?

545 Cutler St, Waterloo, IA has 2 bedrooms, 1 bathrooms, 716 square feet of living space and a 0.15-acre lot.

When was 545 Cutler St, Waterloo, IA built?

545 Cutler St, Waterloo, IA was built in 1929, making it 97 years old. The building has 1 story.

What schools serve 545 Cutler St, Waterloo, IA?

545 Cutler St, Waterloo, IA is assigned to George Washington Carver Academy (middle), rated F; Lincoln Elementary School (elementary), rated D-; Waterloo East High School (high), rated F. All sit in Waterloo Community School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 545 Cutler St, Waterloo, IA compare to other homes in Waterloo 50703?

Among the 7,469 homes in Waterloo 50703, it is worth more than 31% of them ($59,795 against a typical $77,263), its price per square foot is higher than 53% of them ($84 against a typical $80), it is bigger than 9% of them (716 ft² against a typical 1,056 ft²), its lot is bigger than 38% of them (0.15 ac against a typical 0.16 ac) and it is newer than 43% of them (1929 against a typical 1939). Measured against all of Black Hawk County, it is worth more than 6% 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 545 Cutler St, Waterloo, IA?

The 2025 property tax bill for 545 Cutler St, Waterloo, IA was $1,304. The county assessed it at $63,940.

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