Black Hawk County property record for 121 Smith St, Waterloo, IA 50703
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 672 sqft · built 1904 |
| Lot Size | 0.107 acres (4,680 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $196 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Oct 2025 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 8913-24-458-019 |
| Primary APN | 8913-24-458-019 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 672 sqft Living Area |
| 1st Floor Area | 672 sqft |
| Basement Area | 336 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1904 |
|---|---|
| Effective Year Built | Effective 1904 |
| Exterior Material | Wood Shingle |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 4,680 sqft (0.107 acres) |
| Lot Dimensions | 117 ft deep x 40 ft wide |
| Porch | Porch |
| Porch Area | 138 sqft |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Street Address | 121 SMITH ST |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50703-4026 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CENTRAL SUBDIVISION LOT 6 |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 24 |
| Legal Subdivision | CENTRAL SUBDIVISION |
| Legal Lot Number | 6 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 700 |
Source: Black Hawk County records · APN 8913-24-458-019
Assessment roll updated October 17, 2025 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 121 SMITH ST, WATERLOO, IA 50703-4026 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jul 24, 2026 | Deed of Trust, Mortgage · Conventional Mortgage FARMERS STATE BANK |
| Oct 03, 2025 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Transfer Date | Oct 01, 2025 |
| Transfer Doc | 0202514600 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Jul 24, 2026 |
| Property Address | 121 SMITH ST, WATERLOO, IA 50703-4026 |
| Document Number | 0000011175 |
| Instrument Date | Jul 20, 2026 |
| Instrument | 202611175 |
| Transaction Type | Mortgage |
| Record Updated | Jul 31, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 121 SMITH ST, WATERLOO, IA 50703-4026 |
| Document Number | 0000011175, |
|---|---|
| Date | Jul 24, 2026 |
| Instrument | 202611175 |
| Name | FARMERS STATE BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 24, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.81% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Oct 03, 2025 |
| Property Address | 121 SMITH ST, WATERLOO, IA 50703-4026 |
| Document Number | 0202514600 |
| Instrument Date | Oct 01, 2025 |
| Instrument | 2025-14600 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 121 SMITH ST, WATERLOO, IA 50703-4026 |
Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $196.00 Homeowner's exemption | $26,140 (+35.93%) Land $4,320 Building $21,820 | $26,140 (+35.93%) Land $4,320 Building $21,820 |
| 2024 | $196.00 (-7.98%) | ||
| 2023 | $19,230 Land $4,320 Building $14,910 | $19,230 Land $4,320 Building $14,910 | |
| 2022 | $213.00 |
Source: FEMA National Flood Hazard Layer as of September 27, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 2 (1979–1980) |
| Most Recent Claim | Jun 1980 · rainfall accumulation |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Holdings Fiber | 5,120 / 5,120 |
| Mediacom Communications Cable · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: AMG Technology Investment Group, LTD Broadband.
Based on FCC filings for 332 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WATERLOO WATER WORKS serves 69,504 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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