1012 Denver St, Waterloo, IA 50702 Property Records

Black Hawk County property record for 1012 Denver St, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,053 sqft · built 1927
Lot Size	0.173 acres (7,560 sqft)
Owner	Individual Name on File
Tax Bill	$235 (2022)
Deeds & Mortgages	May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-35-134-004`

Property Details

APN / Parcel Number

Primary APN	`8913-35-134-004`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,053 sqft Living Area
1st Floor Area	726 sqft
Basement Area	726 sqft
Finished Basement	650 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1927
Architectural Style	A-Frame
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,560 sqft (0.173 acres)
Lot Dimensions	140 ft deep x 54 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	242 sqft
Deck Area	227 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1012 DENVER ST
City	WATERLOO
State	IA
Zip	50702-3623
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FAYS ADDITION LOT 3 BLK 6
Legal Range	13
Legal Township	89
Legal Section	35
Legal Subdivision	FAYS ADDITION
Legal Block	6
Legal Lot Number	3
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1020
Census Tract	1100

Owner

1012 Denver St is owned and occupied by an individual who acquired it in May 2021.

Source: Black Hawk County records, as of October 16, 2025

Owner of Record	Individual Name on File
Mailing Address	1012 DENVER ST, WATERLOO, IA 50702-3623
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2021
Deed Sale	May 6, 2021
Prior Sale	Jul 15, 2016 · Amount on File
Deed Document Number	202100023366
Record Updated	Jun 8, 2026

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BLACK HAWK IA
Recording Date	May 6, 2021
Property Address	1012 DENVER ST, WATERLOO, IA 50702-3623
Document Number	202100023366
Instrument Date	Apr 26, 2021
Instrument	202100023366
Transaction Type	Transfer
Record Updated	Nov 22, 2022
Title Company	E-PLACER TITLE, PLACER TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1012 DENVER ST, WASHBURN, IA 50702-3623

Mortgage

Document Number	202100023367
Date	May 6, 2021
Instrument	202100023367

Lender

Name	LOW VA RATES LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

Tax Assessment & Valuation

Source: Black Hawk County assessment roll, as of May 1, 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		$124,980 Land $17,550 Building $107,430	$124,980 Land $17,550 Building $107,430
2023		$115,330 (+28.87%) Land $17,550 Building $97,780	$115,330 Land $17,550 Building $97,780
2022	$235.00 Homeowner's exemption	$89,490 Land $17,550 Building $71,940
2021			$89,490 Land $17,550 Building $71,940

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

Flood

FEMA maps place 1012 Denver St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2010.

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	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2010 · Severe Storms, Flooding, And Tornadoes

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 1012 Denver 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 541 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Waterloo Fiber Fiber	10,000 / 10,000
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink, T-Mobile, Verizon.

Nearby Properties on Denver St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures