Black Hawk County property record for 1015 Bayard St, Waterloo, IA 50702
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,378 sqft · built 1950 |
| Lot Size | 0.219 acres (9,558 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,258 (2025) |
| Deeds & Mortgages | Feb 2026 Line of Credit Aug 2021 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 8913-35-112-007 |
| Primary APN | 8913-35-112-007 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,378 sqft Living Area |
| 1st Floor Area | 1,186 sqft |
| Basement Area | 1,186 sqft |
| Finished Basement | 800 sqft |
| Unfinished Basement | 1,186 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,558 sqft (0.219 acres) |
| Lot Dimensions | 118 ft deep x 81 ft wide |
| Garage Type | Detached |
| Garage Area | 616 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 144 sqft |
| Patio Area | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 1015 BAYARD ST |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50702-3730 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SMUCKER AND BURDS ADDITION N 1/2 LOT 22 LOT 23 |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 35 |
| Legal Subdivision | SMUCKER AND BURDS ADDITION |
| Legal Lot Number | 22,23 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 1100 |
1015 Bayard St is owned and occupied by an individual who acquired it in August 2022.
Source: Black Hawk County records, as of September 1, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1015 BAYARD ST, WATERLOO, IA 50702-3730 |
| 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.
| Date | Document |
|---|---|
| Feb 17, 2026 | Deed of Trust, Mortgage · Line of Credit DUPACO COMMUNITY CU |
| Aug 30, 2021 | Affidavit of Death of Joint Tenant, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Aug 29, 2022 |
| Transfer Doc | 0000004572 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 1015 BAYARD ST, WATERLOO, IA 50702-3730 |
| Transaction Type | Mortgage |
| Record Updated | Feb 26, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0202601979 |
|---|---|
| Date | Feb 17, 2026 |
| Instrument | 2026-01979 |
| Name | DUPACO COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | 1000 JACKSON ST, DUBUQUE, IA 52001 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Feb 16, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Aug 30, 2021 |
| Property Address | 1015 BAYARD ST, WATERLOO, IA 50702-3730 |
| Document Number | 202200004572 |
| Instrument Date | Aug 19, 2021 |
| Instrument | 202200004572 |
| Transaction Type | Transfer |
| Record Updated | Sep 10, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1015 BAYARD ST, WASHBURN, IA 50702-3730 |
The 2025 property tax bill for 1015 Bayard St was $3,258 with a homeowner's exemption, up 2.5% from the year before.
Source: Black Hawk County assessment roll, as of October 17, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,258.00 (+2.45%) Homeowner's exemption | $185,080 Land $24,750 Building $160,330 | $185,080 Land $24,750 Building $160,330 |
| 2024 | $3,180.00 | ||
| 2023 | $170,510 (+23.24%) Land $24,750 Building $145,760 | $170,510 Land $24,750 Building $145,760 | |
| 2022 | $2,844.00 Homeowner's exemption | $138,360 Land $24,750 Building $113,610 | |
| 2021 | $138,360 Land $24,750 Building $113,610 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1015 Bayard 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.
The area around 1015 Bayard 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.
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 |
| 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.
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.
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