1226 W 3rd St, Waterloo, IA 50701 Property Records

Black Hawk County property record for 1226 W 3rd St, Waterloo, IA 50701

Property Summary

Property Type	Duplex
Details	4 bd · 4 ba · 2,480 sqft · built 1903
Lot Size	0.161 acres (7,000 sqft)
Owner	Individual Name on Record
Last Sale	$65,000 (Oct 2021)
Tax Bill	$2,134 (2025)
Deeds & Mortgages	Apr 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-26-306-011`

Property Details

APN / Parcel Number

Primary APN	`8913-26-306-011`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	2,480 sqft Total Area
1st Floor Area	1,218 sqft
Basement Area	1,218 sqft
Unfinished Basement	1,218 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1903
Effective Year Built	Effective 1903
Architectural Style	Duplex Single
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,000 sqft (0.161 acres)
Lot Dimensions	100 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	620 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	1226 W 3RD ST
City	WATERLOO
State	IA
Zip	50701-2712
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	WHITNEY AND SEDGWICKS ADDITION SW 70 FT SE 40 FT LOT 9 BLK 8 SW 70 FT LOT 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	1121 OREGON ST, WATERLOO, IA 50702-2646
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 30, 2021 · Amount on Record
Deed Sale	Oct 30, 2021 · Amount on Record
Prior Sale	Oct 30, 2020 · Amount on Record
Deed Document Number	20219403
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1226 W 3RD ST, WATERLOO, IA 50701-2712
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200020451
Date	Apr 20, 2022
Instrument	202200020451

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 5, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	May 1, 2032
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	5.75%
Index	1-Year CMT
Max Rate	9.75%

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	$2,134.00 (+8.77%)	$104,560 (+15.61%) Land $9,240 Building $95,320	$104,560 (+15.61%) Land $9,240 Building $95,320
2024	$1,962.00 (+19.78%)
2023		$90,440 (+21.3%) Land $9,240 Building $81,200	$90,440 (+21.3%) Land $9,240 Building $81,200
2022	$1,638.00	$74,560 Land $9,240 Building $65,320
2021			$74,560 Land $9,240 Building $65,320

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.

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