Is there a 4-bed ranch in Waterloo under $525,000 with a finished lower level and 3-car garage? Yes. 1440 Partridge Lane is a 2023 single family home offering 2,574 finished sqft, 4 bedrooms, 3 full baths, and a spacious 0.26-acre lot with modern construction and low annual HOA of $100.
Welcome to this 4-bed ranch in Waterloo under $525,000, designed for easy main-level living with additional finished space below.
Main level highlights:
• 3 bedrooms including a spacious primary suite
• 3 full bathrooms total
• Open-concept living and dining layout
• Attached 3-car garage
• Modern 2023 construction
Lower level:
• 950 finished sqft
• 4th bedroom
• Full bathroom
• Flexible rec or guest space
Exterior features:
• 0.26-acre rectangular lot
• 78 x 144 dimensions
• Room for outdoor living, entertaining, or play
With 2,574 total finished square feet, this home offers the convenience of ranch-style living plus the bonus of expanded lower-level space. Whether you need room for guests, hobbies, or a home office, the layout delivers flexibility without sacrificing flow.
Low HOA at $100 per year. Built in 2023 for peace of mind and modern efficiency.
For sale
Price cut: $4.9K (2/5)
$525,000
1440 Partridge Ln, Waterloo, IA 50701
4beds
2,574sqft
Est.:
Single Family Residence
Built in 2023
0.26 Acres Lot
$517,800 Zestimate®
$204/sqft
$8/mo HOA
What's special
Spacious primary suite
- 46 days |
- 348 |
- 10 |
Zillow last checked: 7 hours ago
Listing updated: March 22, 2026 at 08:08am
Listed by:
Bryan Curtis (515)770-2491,
Attain RE
Source: DMMLS,MLS#: 733752
Originating MLS: Des Moines Area Association of REALTORS
Originating MLS: Des Moines Area Association of REALTORSTour with a local agent
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 3
- Main level bedrooms: 3
Heating
- Electric, Gas
Cooling
- Central Air
Appliances
- Included: Dishwasher, Microwave, Refrigerator, Stove
- Laundry: Main Level
Features
- Dining Area, Eat-in Kitchen, Window Treatments
- Flooring: Laminate
- Basement: Finished
- Number of fireplaces: 1
- Fireplace features: Electric
Interior area
- Total structure area: 2,574
- Total interior livable area: 2,574 sqft
- Finished area below ground: 950
Property
Parking
- Total spaces: 3
- Parking features: Attached, Garage, Three Car Garage
- Attached garage spaces: 3
Features
- Stories: 1
- Patio & porch: Deck
- Exterior features: Deck, Fully Fenced
- Fencing: Chain Link,Full
Lot
- Size: 0.26 Acres
- Dimensions: 78 x 144
- Features: Rectangular Lot
Details
- Parcel number: 881308308005
- Zoning: R
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subtype: Single Family Residence
Materials
- Stone, Vinyl Siding
- Foundation: Poured
- Roof: Asphalt,Shingle
Condition
- Year built: 2023
Utilities & green energy
- Sewer: Public Sewer
- Water: Public
Community & HOA
Community
- Features: Sidewalks
HOA
- Has HOA: Yes
- HOA fee: $100 annually
- HOA name: Audubon
- Second HOA name: Brandy Starks
- Second HOA phone: 319-548-5460
Location
- Region: Waterloo
Financial & listing details
- Price per square foot: $204/sqft
- Tax assessed value: $525,660
- Annual tax amount: $6,898
- Date on market: 2/4/2026
- Cumulative days on market: 48 days
- Listing terms: Cash,Conventional,FHA,VA Loan
- Road surface type: Concrete
Estimated market value
$517,800
$492,000 - $544,000
$2,577/mo
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 2/5/2026 | Price change | $525,000-0.9%$204/sqft |
Source:  DMMLS #733752 Report a problem | ||
| 11/29/2025 | Listed for sale | $529,900+2.1%$206/sqft |
Source: Owner Report a problem | ||
| 8/30/2024 | Sold | $518,795+1.7%$202/sqft |
Source:  Northeast Iowa Regional BOR as distributed by MLS GRID #20234576 Report a problem | ||
| 7/28/2024 | Pending sale | $509,999$198/sqft |
Source: Northeast Iowa Regional BOR as distributed by MLS GRID #20234576 Report a problem | ||
| 7/11/2024 | Price change | $509,999-0.9%$198/sqft |
Source: Northeast Iowa Regional BOR as distributed by MLS GRID #20234576 Report a problem | ||
| 4/21/2024 | Price change | $514,500-2%$200/sqft |
Source: Northeast Iowa Regional BOR as distributed by MLS GRID #20234576 Report a problem | ||
| 4/5/2024 | Price change | $524,999-3.9%$204/sqft |
Source: Northeast Iowa Regional BOR as distributed by MLS GRID #20234576 Report a problem | ||
| 3/1/2024 | Price change | $546,037+0.3%$212/sqft |
Source: Northeast Iowa Regional BOR as distributed by MLS GRID #20234576 Report a problem | ||
| 2/5/2024 | Price change | $544,158-0.1%$211/sqft |
Source: Northeast Iowa Regional BOR as distributed by MLS GRID #20234576 Report a problem | ||
| 12/12/2023 | Price change | $544,703+6.8%$212/sqft |
Source: Northeast Iowa Regional BOR as distributed by MLS GRID #20234576 Report a problem | ||
| 10/26/2023 | Listed for sale | $509,880+51.7%$198/sqft |
Source: Northeast Iowa Regional BOR as distributed by MLS GRID #20234576 Report a problem | ||
| 6/10/2016 | Sold | $336,000$131/sqft |
Source: Public Record Report a problem | ||
Public tax history
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $6,899 +4302.8% | $53,180 -83.3% |
| 2024 | $157 -9% | $318,010 +3956.3% |
| 2023 | $172 +137.6% | $7,840 |
| 2022 | $72 | $7,840 |
Find assessor info on the county website
BuyAbility℠ payment
Est. payment
$3,131/mo
Principal & interest
$2515
Property taxes
$608
HOA Fees
$8
More affordability tools
Climate risks
Neighborhood: Audobon
Getting around
11 / 100
Minimal TransitNearby schools
GreatSchools rating
- 8/10Orange Elementary SchoolGrades: PK-5Distance: 2.1 mi
- 6/10Hoover Middle SchoolGrades: 6-8Distance: 1.8 mi
- 3/10West High SchoolGrades: 9-12Distance: 2.5 mi
Schools provided by the listing agent
- District: Waterloo
Source: DMMLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
Local experts in 50701
- Iowa
- Black Hawk County
- Waterloo
- 50701
- Audobon
- 1440 Partridge Ln
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