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434 Belmont Ave, Waterloo, IA, 50701

2beds
1baths
864sqft
$99,900
$116price/sqft
$879/moest. monthly cost
$35,160/yrincome needed

About This Home

Tucked into a Waterloo neighborhood where daily life feels simple and manageable, this thoughtfully renovated townhouse offers a practical layout paired with comfortable outdoor space. From the moment you arrive, the home presents an easygoing lifestyle—one designed for low maintenance and everyday convenience. Stepping through the front door, the main level unfolds into a welcoming living room that naturally connects to the dining area and kitchen beyond. The layout encourages an easy rhythm for daily routines, whether it’s relaxing in the living space, gathering for a quick dinner, or catching up over coffee at the table. In the kitchen, recently installed appliances—including a new stove and refrigerator—provide a fresh start for meal prep while maintaining a clean, efficient workspace that supports both quick weeknight cooking and leisurely weekend mornings. Upstairs, the home’s two bedrooms offer comfortable proportions and flexibility for rest, work, or hobbies. Each space feels bright and practical, creating a quiet retreat at the end of the day. The full bathroom adds a touch of character with its carefully chosen accent tile and a glass block window that filters in soft natural light while maintaining privacy—an inviting detail that elevates the everyday routine. Out back, the home continues to surprise with a fenced courtyard-style yard designed for private outdoor living. A patio seating area creates the perfect setting for morning coffee, casual dinners, or simply unwinding in the fresh air. The fully fenced space offers both security and charm, while a dedicated parking pad at the rear provides convenient off-street parking. Fully renovated and ready for its next chapter, this Waterloo townhouse blends smart design with manageable living—an ideal option for those seeking a move-in ready home where comfort, simplicity, and thoughtful updates come together.

Getting Around

42
WalkingCar-Dependent
27
TransitSome Transit
79
BikeVery Bikeable

Schools

2/10
Irving Elementary SchoolGrades K-50.6 mi
1/10
Central Middle SchoolGrades 6-82.2 mi
2/10
East High SchoolGrades 9-121.5 mi

Construction

Condition

  • Year built: 1929

Materials

  • Roof: Membrane
  • Construction materials: Brick

Type & Style

  • Home type: Townhouse
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Microwave Built In,Free-Standing Range,Refrigerator,Electric Water Heater
  • Laundry features: Gas Dryer Hookup,Lower Level,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Interior Entry,Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Flooring: Hardwood
  • Fireplace features: None
  • Finished area below ground: 0

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 864 sqft

Other

  • Level: Upper

Other

  • Level: Main

Other

  • Level: Lower

Property

Details

  • Parcel number: 891326156056
  • Zoning: R-P
  • Special condition: Standard

Features

  • Patio & porch: Patio

Lot

  • Lot size: 1,306 sqft
  • Lot size dimensions: 17x80

Parking

  • Parking features: None

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Strong Wind
Winter Weather
Hail
Tornado

FEMA Declared Disasters Across Iowa Counties

Tornado

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $505$6,060
Home Insurance *$89$1,068
Property Taxes $164$1,968
Electricity $121$1,452
Total$879$10,548
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$30,137/yr
40% on housing$26,370/yr
45% on housing$23,440/yr

Iowa FAIR Plan Programs

Iowa FAIR Plan Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 1,021Commercial: 22
Total Premiums$1.14M
Total Exposure$85.68M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 13.2%
13.2%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: -1.2%
-1.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$116This listing

vs Other Active Listings

Avg $/sqft

ZIP 50701$136
Black Hawk County$138

vs Homes Sold Last Month

Median $/sqft

ZIP 50701$122
Black Hawk County$123

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-23Price change$114,900
2026-03-26Listed for sale$124,900
2018-09-07Listing removed$500
2018-08-28Price change$500
2018-08-08Price change$550
2018-07-26Price change$575
2018-06-21Price change$600
2018-06-15Listed for rent$575
2018-02-17Listing removed$575
2018-02-11Price change$575
2018-01-16Price change$550
2017-12-12Listed for rent$595
2015-05-08Sold$37,000
2013-05-19Listing removed$43,900
2013-03-21Listed for sale$43,900

For Sale by Agent

AgentLynette D Sorensen
BrokerageRE/MAX Concepts - Cedar Falls

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