101 French St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 101 French St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,495 sqft · built 1920
Lot Size	0.143 acres (6,250 sqft)
Owner	2 Individual Names on File
Last Sale	$74,000 (Jul 2008)
Tax Bill	$2,304 (2025)
Deeds & Mortgages	Mar 2020 Line of Credit Jul 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8912-30-133-021`

Property Details

APN / Parcel Number

Primary APN	`8912-30-133-021`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,495 sqft Living Area
1st Floor Area	1,026 sqft
Basement Area	1,026 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Metal
Lot Area	6,250 sqft (0.143 acres)
Lot Dimensions	125 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	88 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	101 FRENCH ST
City	WATERLOO
State	IA
Zip	50703-5429
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HILLSIDE ADDITION WATERLOO LOT 12 BLK 11
Legal Range	12W
Legal Township	89N
Legal Section	30
Legal Subdivision	HILLSIDE ADDITION WATERLOO
Legal Block	11
Legal Lot Number	12
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	3
Census Block	3010
Census Tract	1900

Owner

101 French St is owned and occupied by two individuals who bought it in July 2008.

Source: Black Hawk County records, as of September 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	101 FRENCH ST, WATERLOO, IA 50703-5429
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 13, 2020	Deed of Trust, Mortgage · Line of Credit GREENSTATE CU
Jul 8, 2020	Deed of Trust, Mortgage · FHA Mortgage AMROCK
Mar 26, 2019	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC
Oct 3, 2018	Deed of Trust, Mortgage UNIVERSITY OF IOWA CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2008 · Amount on File
Deed Sale	Jul 23, 2008 · Amount on File
Deed Document Number	20082009001867
Prior Transfer Date	Jul 18, 2008
Prior Transfer Doc	2009001867
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	101 FRENCH ST, WATERLOO, IA 50703-5429
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000015837
Date	Mar 13, 2020
Instrument	202000015837

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Mar 12, 2025

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	101 FRENCH ST, WATERLOO, IA 50703-5429
Transaction Type	Mortgage
Record Updated	Jul 23, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100000501
Date	Jul 8, 2020
Instrument	202100000501

Lender

Name	AMROCK
Type	Non-Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	165 Months
Due	Apr 1, 2034

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	101 FRENCH ST, WATERLOO, IA 50703-5429
Transaction Type	Mortgage
Record Updated	Apr 24, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900014218
Date	Mar 26, 2019
Instrument	201900014218

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2034

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	101 FRENCH ST, WATERLOO, IA 50703-5429
Transaction Type	Mortgage
Record Updated	Oct 31, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900005592
Date	Oct 3, 2018
Instrument	201900005592

Lender

Name	UNIVERSITY OF IOWA CREDIT UNION

Agreement

Amount	Amount on Record
Term	51 Months
Due	Jan 1, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 101 French St was $2,304 with a homeowner's exemption, up 37% from the year before.

Source: Black Hawk County assessment roll, as of October 17, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Black Hawk County
Municipality	Waterloo City
Unified School District	Waterloo Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,304.00 (+36.98%) Homeowner's exemption	$123,800 Land $5,340 Building $118,460	$123,800 Land $5,340 Building $118,460
2024	$1,682.00
2023		$87,730 (+13.94%) Land $5,340 Building $82,390	$87,730 Land $5,340 Building $82,390
2022	$1,940.00 Homeowner's exemption	$77,000 Land $5,340 Building $71,660
2021			$77,000 Land $5,340 Building $71,660

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 101 French St in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective September 27, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	7 (1979)
Most Recent Claim	Apr 1979 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 101 French St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WATERLOO WATER WORKS serves 69,504 people · EPA ID IA0790074
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 446 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink, Waterloo Fiber.

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