1251 Beech St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 1251 Beech St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,477 sqft · built 1934
Lot Size	0.162 acres (7,056 sqft)
Owner	Individual Name on File
Tax Bill	$1,264 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Nov 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-24-227-002`

Property Details

APN / Parcel Number

Primary APN	`8913-24-227-002`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,477 sqft Living Area
1st Floor Area	638 sqft
Attic	Attic
Attic Area	223 sqft
Basement Area	638 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1934
Effective Year Built	Effective 1934
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,056 sqft (0.162 acres)
Lot Dimensions	147 ft deep x 48 ft wide
Garage Type	Detached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Patio Area	264 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1251 BEECH ST
City	WATERLOO
State	IA
Zip	50703-3331
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ROSE HILL FIRST ADDITION LOT 1 BLK 2
Legal Range	13W
Legal Township	89N
Legal Section	24
Legal Subdivision	ROSE HILL FIRST ADDITION
Legal Block	2
Legal Lot Number	1
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1002
Census Tract	1800

Owner

1251 Beech St is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	1251 BEECH ST, WATERLOO, IA 50703-3331
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
Dec 18, 2020	Deed of Trust, Mortgage CITY OF WATERLOO
Nov 3, 2020	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Oct 22, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance VERIDIAN CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1251 BEECH ST, WATERLOO, IA 50703-3331
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100012999
Date	Dec 18, 2020
Instrument	202100012999

Lender

Name	CITY OF WATERLOO
Type	Government Agency
Address	WATERLOO, IA 50703

Agreement

Amount	Amount on Record

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1251 BEECH ST, WATERLOO, IA 50703-3331
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1251 BEECH ST, WATERLOO, IA 50703-3331

Mortgage

Document Number	202100009592
Date	Nov 3, 2020
Instrument	202100009592

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1251 BEECH ST, WATERLOO, IA 50703-3331
Transaction Type	Mortgage
Record Updated	Nov 27, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000007477
Date	Oct 22, 2019
Instrument	202000007477

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Nov 1, 2029

Tax Assessment & Valuation

The 2025 property tax bill for 1251 Beech St was $1,264 with a homeowner's exemption, up 34.2% 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	$1,264.00 (+34.18%) Homeowner's exemption	$87,390 Land $7,760 Building $79,630	$87,390 Land $7,760 Building $79,630
2024	$942.00
2023		$67,380 (+26.77%) Land $7,760 Building $59,620	$67,380 Land $7,760 Building $59,620
2022	$972.00 Homeowner's exemption	$53,150 Land $7,760 Building $45,390
2021			$53,150 Land $7,760 Building $45,390

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

Flood

FEMA maps place 1251 Beech St in Zone X, an area of minimal flood risk.

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

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

Wildfire risk around 1251 Beech St is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 71% of Iowa
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond 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 88 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable	1,000 / 50
GigFire Fixed Wireless	150 / 130
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink.

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