1020 South St, Waterloo, IA 50702 Property Records

Black Hawk County property record for 1020 South St, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 875 sqft · built 1954
Lot Size	0.193 acres (8,400 sqft)
Owner	2 Individual Names on File
Last Sale	$92,000 (Nov 2019)
Tax Bill	$1,236 (2025)
Deeds & Mortgages	Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-26-432-006`

Property Details

APN / Parcel Number

Primary APN	`8913-26-432-006`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	875 sqft Living Area
1st Floor Area	875 sqft
Basement Area	875 sqft
Finished Basement	450 sqft
Unfinished Basement	875 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,400 sqft (0.193 acres)
Lot Dimensions	140 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Deck Area	140 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1020 SOUTH ST
City	WATERLOO
State	IA
Zip	50702-1536
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOES ADDITION LOT 2 BLK 11
Legal Range	13W
Legal Township	89N
Legal Section	26
Legal Subdivision	DOES ADDITION
Legal Block	11
Legal Lot Number	2
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2009
Census Tract	200

Owner

1020 South St is owned and occupied by two individuals who bought it in November 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	1020 SOUTH ST, WATERLOO, IA 50702-1536
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	2 Names on Deed
Last Sale	Nov 15, 2019 · Amount on File
Deed Sale	Nov 15, 2019 · Amount on File
Prior Sale	Feb 23, 2015 · Amount on File
Deed Document Number	2019202000009107
Record Updated	Oct 29, 2026

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 15, 2019
Property Address	1020 SOUTH ST, WATERLOO, IA 50702-1536
Document Number	202000009107
Instrument Date	Nov 14, 2019
Instrument	202000009107
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1020 SOUTH ST, WATERLOO, IA 50702-1536
Investor	Possibly a Property Investor

Mortgage

Document Number	202000009108
Date	Nov 15, 2019
Instrument	202000009108

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Dec 1, 2029
Index	Other

Tax Assessment & Valuation

The 2025 property tax bill for 1020 South St was $1,236 with a homeowner's exemption, down 1.4% 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	$1,236.00 (-1.44%) Homeowner's exemption	$71,500 Land $11,400 Building $60,100	$71,500 Land $11,400 Building $60,100
2024	$1,254.00
2023		$68,030 (+18.19%) Land $11,400 Building $56,630	$68,030 Land $11,400 Building $56,630
2022	$1,070.00 Homeowner's exemption	$57,560 Land $11,400 Building $46,160
2021			$57,560 Land $11,400 Building $46,160

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

Flood

FEMA maps place 1020 South St in Zone X, an area of minimal flood risk.

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 Policies	2 in force

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 1020 South 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 740 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
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink.

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