121 Acadia St, Waterloo, IA 50702 Property Records

Black Hawk County property record for 121 Acadia St, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,181 sqft · built 1952
Lot Size	0.147 acres (6,400 sqft)
Owner	Individual Name on File
Last Sale	$125,000 (May 2018)
Tax Bill	$3,068 (2025)
Deeds & Mortgages	May 2018 Mortgage Sep 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8913-35-352-015`

Property Details

APN / Parcel Number

Primary APN	`8913-35-352-015`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,181 sqft Living Area
1st Floor Area	1,181 sqft
Basement Area	1,181 sqft
Finished Basement	500 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	6,400 sqft (0.147 acres)
Lot Dimensions	100 ft deep x 64 ft wide
Garage Type	Attached
Garage Area	264 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	24 sqft
Patio Area	312 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	121 ACADIA ST
City	WATERLOO
State	IA
Zip	50702-5003
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUNSET HILLS LOT 33
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	SUNSET HILLS
Legal Lot Number	33
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1024
Census Tract	1200

Owner

121 Acadia St is owned and occupied by an individual who acquired it in September 2022.

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

Owner of Record	Individual Name on File
Mailing Address	121 ACADIA ST, WATERLOO, IA 50702-5003
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

Date	Document
May 25, 2018	Deed of Trust, Mortgage FARMERS STATE BANK
Sep 23, 2022	Quit Claim Deed, Transfer Quitclaim
May 28, 2021	Intrafamily Transfer, Transfer
May 25, 2018	Warranty Deed, Transfer FARMERS STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 25, 2018 · Amount on File
Deed Sale	May 25, 2018 · Amount on File
Prior Sale	Aug 22, 2016 · Amount on File
Deed Document Number	201819323
Last Transfer Date	Sep 19, 2022
Transfer Doc	0000005093
Record Updated	Oct 29, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	121 ACADIA ST, WATERLOO, IA 50702-5003
Transaction Type	Mortgage
Record Updated	Oct 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800019324
Date	May 25, 2018
Instrument	201800019324

Lender

Name	FARMERS STATE BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	356 Months
Due	Jan 1, 2048

September 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 23, 2022
Property Address	121 ACADIA ST, WATERLOO, IA 50702-5003
Document Number	202300005093
Instrument Date	Sep 19, 2022
Instrument	202300005093
Transaction Type	Transfer
Record Updated	Oct 10, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 ACADIA ST, WASHBURN, IA 50702-5003

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BLACK HAWK IA
Recording Date	May 28, 2021
Property Address	121 ACADIA ST, WATERLOO, IA 50702-5003
Document Number	202100025173
Instrument Date	May 24, 2021
Instrument	202100025173
Transaction Type	Transfer
Record Updated	Oct 10, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	121 ACADIA ST, WATERLOO, IA 50702-5003

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 25, 2018
Property Address	121 ACADIA ST, WATERLOO, IA 50702-5003
Document Number	201800019323
Instrument Date	May 25, 2018
Instrument	201800019323
Transaction Type	Transfer
Record Updated	Oct 10, 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	121 ACADIA ST, WATERLOO, IA 50702-5003

Mortgage

Document Number	201800019325
Date	May 25, 2018
Instrument	201800019325

Lender

Name	FARMERS STATE BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	176 Months
Due	Jan 1, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 121 Acadia St was $3,068 with a homeowner's exemption, down 7.5% 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	$3,068.00 (-7.48%) Homeowner's exemption	$161,240 Land $19,710 Building $141,530	$161,240 Land $19,710 Building $141,530
2024	$3,316.00
2023		$163,100 (+31.35%) Land $19,710 Building $143,390	$163,100 Land $19,710 Building $143,390
2022	$2,532.00 Homeowner's exemption	$124,170 Land $19,710 Building $104,460
2021			$124,170 Land $19,710 Building $104,460

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

Flood

FEMA maps place 121 Acadia St in Zone X, an area of minimal flood risk, though there have been 14 flood claims nearby since 1979.

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
Nearby Flood Claims	14 (1979–2018)
Claims Outside the SFHA	3 of 14
Most Recent Claim	Oct 2018 · rainfall accumulation

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 121 Acadia 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 399 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
GigFire Fixed Wireless	150 / 130

May also be available: AT&T, Nextlink, Verizon.

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