1218 W 3rd St, Waterloo, IA 50701 Property Records

Black Hawk County property record for 1218 W 3rd St, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,606 sqft · built 1909
Lot Size	0.096 acres (4,200 sqft)
Owner	Individual Name on Record
Last Sale	$103,000 (Oct 2009)
Tax Bill	$1,066 (2025)
Deeds & Mortgages	Dec 2025 Second Mortgage Nov 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-26-306-009`

Property Details

APN / Parcel Number

Primary APN	`8913-26-306-009`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,606 sqft Living Area
1st Floor Area	756 sqft
Basement Area	756 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	4,200 sqft (0.096 acres)
Lot Dimensions	120 ft deep x 35 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	232 sqft
Deck Area	140 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1218 W 3RD ST
City	WATERLOO
State	IA
Zip	50701-2712
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHITNEY AND SEDGWICKS ADDITION NE 35 FT LOTS 9 & 10 BLK 8
Legal Range	13W
Legal Township	89N
Legal Section	26
Legal Subdivision	WHITNEY AND SEDGWICKS ADDITION
Legal Block	8
Legal Lot Number	9,10
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1019
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	Individual Name on Record
Mailing Address	1218 W 3RD ST, WATERLOO, IA 50701-2712
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FARMERS STATE BANK
Nov 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage FARMERS STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 26, 2009 · Amount on Record
Deed Sale	Oct 26, 2009 · Amount on Record
Deed Document Number	20092010008350
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1218 W 3RD ST, WATERLOO, IA 50701-2712
Transaction Type	Mortgage
Record Updated	Dec 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202517569
Date	Dec 1, 2025
Instrument	2025-17569

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	131 TOWER PARK DR STE 100, WATERLOO, IA 50701

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Dec 1, 2035

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1218 W 3RD ST, WATERLOO, IA 50701-2712
Transaction Type	Mortgage
Record Updated	Nov 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200009523
Date	Nov 3, 2021
Instrument	202200009523

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 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	$1,066.00 (+13.89%) Homeowner's exemption	$77,710 (+15.78%) Land $4,990 Building $72,720	$77,710 (+15.78%) Land $4,990 Building $72,720
2024	$936.00 (-6.02%)
2023		$67,120 (+23.7%) Land $4,990 Building $62,130	$67,120 (+23.7%) Land $4,990 Building $62,130
2022	$996.00 Homeowner's exemption	$54,260 Land $4,990 Building $49,270
2021			$54,260 Land $4,990 Building $49,270

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

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 734 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.

Nearby Properties on W 3rd St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures