125 Smith St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 125 Smith St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,376 sqft · built 1900
Lot Size	0.107 acres (4,680 sqft)
Owner	Company Name on Record
Last Sale	$17,500 (Nov 2019)
Tax Bill	$1,164 (2025)
Deeds & Mortgages	Dec 2019 Refinance Nov 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`8913-24-458-017`

Property Details

APN / Parcel Number

Primary APN	`8913-24-458-017`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,376 sqft Living Area
1st Floor Area	572 sqft
Basement Area	844 sqft
Finished Basement	180 sqft
Unfinished Basement	844 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Vinyl
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
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	172 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	125 SMITH ST
City	WATERLOO
State	IA
Zip	50703-4026
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CENTRAL SUBDIVISION LOT 8
Legal Range	13W
Legal Township	89N
Legal Section	24
Legal Subdivision	CENTRAL SUBDIVISION
Legal Lot Number	8
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1003
Census Tract	700

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	Company Name on Record
Mailing Address	2560 51ST STREET DR, BRANDON, IA 52210-9634
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 2, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance KERDNT BROTHERS BANK
Nov 6, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 6, 2019 · Amount on Record
Deed Sale	Nov 6, 2019 · Amount on Record
Prior Sale	May 29, 2019 · Amount on Record
Deed Document Number	2019202000008420
Prior Transfer Date	May 22, 2019
Prior Transfer Doc	0000017847
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	125 SMITH ST, WATERLOO, IA 50703-4026
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000009922
Date	Dec 2, 2019
Instrument	202000009922

Lender

Name	KERDNT BROTHERS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 6, 2019
Property Address	125 SMITH ST, WATERLOO, IA 50703-4026
Document Number	202000008420
Instrument Date	Sep 19, 2019
Instrument	202000008420
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2560 51TH ST DR, BRANDON, IA 52210-9634

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	$1,164.00 (+32.27%)	$57,070 (+40.57%) Land $4,320 Building $52,750	$57,070 (+40.57%) Land $4,320 Building $52,750
2024	$880.00 (-17.91%)
2023		$40,600 (+1.98%) Land $4,320 Building $36,280	$40,600 (+1.98%) Land $4,320 Building $36,280
2022	$1,072.00	$39,810 Land $4,320 Building $35,490
2021			$39,810 Land $4,320 Building $35,490

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 · 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 Claims	2 (1979–1980)
Most Recent Claim	Jun 1980 · 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

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 332 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
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

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