1120 N Barclay St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 1120 N Barclay St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 808 sqft · built 1924
Lot Size	0.237 acres (10,308 sqft)
Owner	Company Name on File
Last Sale	$30,000 (Aug 2017)
Tax Bill	$1,338 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Feb 2023 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`8913-13-451-033`

Property Details

APN / Parcel Number

Primary APN	`8913-13-451-033`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	808 sqft Living Area
1st Floor Area	808 sqft
Basement Area	808 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1924
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,308 sqft (0.237 acres)
Lot Dimensions	182 ft deep x 54 ft wide
Garage Type	Detached
Garage Area	840 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1120 N BARCLAY ST
City	WATERLOO
State	IA
Zip	50703-2670
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNPLATTED WATERLOO EAST COM 20 FT N OF NW COR LOT 1 BLK 6 PEEKS 2ND ADD TH E 509.8 FT N 108.95 FT W 511.86 FT S 109.13 FT TO
Legal Range	13W
Legal Township	89N
Legal Section	13
Legal Subdivision	UNPLATTED WATERLOO EAST
Legal Block	6
Legal Lot Number	1,6
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2000
Census Tract	1701

Owner

1120 N Barclay St is owned by a company that bought it in August 2017.

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

Owner of Record	Company Name on File
Mailing Address	PO BOX 1623, WATERLOO, IA 50704-1623
Owner Type	Company
Vesting	Company

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
Oct 1, 2025	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
Feb 16, 2023	Deed of Trust, Mortgage · Construction Mortgage BANKIOWA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 31, 2017 · Amount on File
Deed Sale	Aug 31, 2017 · Amount on File
Prior Sale	Sep 1, 2005 · Amount on File
Deed Document Number	20172018-00003849
Prior Transfer Date	Aug 15, 2005
Prior Transfer Doc	2006006060
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1120 N BARCLAY ST, WATERLOO, IA 50703-2670
Transaction Type	Mortgage
Record Updated	Oct 20, 2025
Title Company	BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK CNTY ABSTRACT & T

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 SE GATEWAY DR, GRIMES, IA 50111-8132

Mortgage

Document Number	0202514449
Date	Oct 1, 2025
Instrument	2025-14449

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	1827 ANSBOROUGH AVE, WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2055

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1120 N BARCLAY ST, WATERLOO, IA 50703-2670
Transaction Type	Mortgage
Record Updated	Feb 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1623, WATERLOO, IA 50704-1623

Mortgage

Document Number	202300011501
Date	Feb 16, 2023
Instrument	202300011501

Lender

Name	BANKIOWA
Type	Bank
Address	WATERLOO, IA 50702

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 14, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 1120 N Barclay St was $1,338, up 11.5% 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	$1,338.00 (+11.5%)	$65,520 Land $7,680 Building $57,840	$65,520 Land $7,680 Building $57,840
2024	$1,200.00
2023		$55,310 (+39%) Land $7,680 Building $47,630	$55,310 Land $7,680 Building $47,630
2022	$874.00	$39,790 Land $7,680 Building $32,110
2021			$39,790 Land $7,680 Building $32,110

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

Flood

FEMA maps place 1120 N Barclay 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	1 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

Wildfire risk around 1120 N Barclay St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 76% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 365 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
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

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