112 Locust St, Waterloo, IA 50701 Property Records

Black Hawk County property record for 112 Locust St, Waterloo, IA 50701

Property Summary

Property Type	Townhouse
Details	2 bd · 1 ba · 864 sqft · built 1949
Lot Size	0.051 acres (2,200 sqft)
Owner	Company Name on Record
Last Sale	$390,000 (Aug 2023)
Tax Bill	$864 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Aug 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-26-160-026`

Property Details

APN / Parcel Number

Primary APN	`8913-26-160-026`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	864 sqft Living Area
1st Floor Area	432 sqft
Basement Area	432 sqft
Unfinished Basement	432 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Architectural Style	Townhouse
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	2,200 sqft (0.051 acres)
Lot Dimensions	100 ft deep x 22 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	112 LOCUST ST
City	WATERLOO
State	IA
Zip	50701-2644
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	CONGER PARK NW 21.5 FT NE 100 FT LOT 3 BLK 12 TRACT 112
Legal Range	13W
Legal Township	89N
Legal Section	26
Legal Subdivision	CONGER PARK
Legal Tract	112
Legal Block	12
Legal Lot Number	3
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1018
Census Tract	300

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	PO BOX 111, CEDAR FALLS, IA 50613-0016
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 15, 2022	Deed of Trust, Mortgage · Stand-Alone First Mortgage FARMERS STATE BANK
Aug 27, 2021	Deed of Trust, Mortgage · Line of Credit GREENSTATE CU
Mar 10, 2021	Warranty Deed, Transfer · Line of Credit GREENSTATE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 15, 2023 · Amount on Record
Deed Sale	Aug 15, 2023 · Amount on Record
Prior Sale	Aug 15, 2022 · Amount on Record
Deed Document Number	20232709
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	112 LOCUST ST, WATERLOO, IA 50701-2644
Transaction Type	Mortgage
Record Updated	Aug 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202300002710
Date	Aug 15, 2022
Instrument	202300002710

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	WATERLOO, IA 50701

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 12, 2052

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	112 LOCUST ST, WATERLOO, IA 50701-2644
Transaction Type	Mortgage
Record Updated	Sep 8, 2021
Title Company	BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK CNTY ABSTRACT CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200004494
Date	Aug 27, 2021
Instrument	202200004494

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	355 Months
Due	Mar 4, 2051

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Mar 10, 2021
Property Address	112 LOCUST ST, WATERLOO, IA 50701-2644
Document Number	202100018939
Instrument Date	Mar 4, 2021
Instrument	202100018939
Transaction Type	Transfer
Record Updated	Feb 10, 2022
Title Company	BLACK HAWK CNTY ABSTRACT CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,055.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100018940
Date	Mar 10, 2021
Instrument	202100018940

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 4, 2051

Tax Assessment & Valuation

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	$864.00 (+9.37%)	$42,290 (+16.02%) Land $2,900 Building $39,390	$42,290 (+16.02%) Land $2,900 Building $39,390
2024	$790.00 (+33%)
2023		$36,450 (+34.8%) Land $2,900 Building $33,550	$36,450 (+34.8%) Land $2,900 Building $33,550
2022	$594.00	$27,040 Land $2,900 Building $24,140
2021			$27,040 Land $2,900 Building $24,140

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 27, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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 416 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

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

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