1312 Walker St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 1312 Walker St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,526 sqft · built 1919
Lot Size	2.31 acres (100,623 sqft)
Owner	Individual Name on Record
Last Sale	$353,000 (Jul 2018)
Tax Bill	$4,566 (2025)
Deeds & Mortgages	Jan 2018 Mortgage Jun 2020 Line of Credit + 3 more
Flood Zone	Zone X (reduced by levee)
APN	`8913-15-251-046`

Property Details

APN / Parcel Number

Primary APN	`8913-15-251-046`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,526 sqft Living Area
1st Floor Area	572 sqft
Basement Area	572 sqft
Game Room	Game Room
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1919
Effective Year Built	Effective 1919
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	100,623 sqft (2.31 acres)
Lot Dimensions	645 ft deep x 156 ft wide
Garage Type	Detached
Garage Area	1,088 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	540 sqft
Shed	1 Shed
Shed Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1312 WALKER ST
City	WATERLOO
State	IA
Zip	50703-1604
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CEDAR DALE E 1/2 W 1/2 LOT F
Legal Range	13W
Legal Township	89N
Legal Section	15
Legal Subdivision	CEDAR DALE
Legal Lot Number	F
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2017
Census Tract	1600

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	625 PROSPECT BLVD, WATERLOO, IA 50701-3917
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 17, 2018	Deed of Trust, Mortgage · ARM UNIVERSITY OF IOWA COMMUNITY CU
Jun 17, 2020	Deed of Trust, Mortgage · Line of Credit GREENSTATE CU
Apr 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage GREENSTATE CU
Jul 26, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance GREENSTATE CREDIT UNION
Jan 17, 2018	Warranty Deed, Transfer · Second Mortgage (Down Payment) UNIVERSITY OF IOWA COMMUNITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 2, 2018 · Amount on Record
Deed Sale	Jul 2, 2018 · Amount on Record
Prior Sale	Jan 17, 2018 · Amount on Record
Deed Document Number	2018201900000125
Record Updated	Oct 29, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1312 WALKER ST, WATERLOO, IA 50703-1604
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800012006
Date	Jan 17, 2018
Instrument	2018-00012006

Lender

Name	UNIVERSITY OF IOWA COMMUNITY CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Feb 5, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 5, 2028
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	6.12%
Index	1-Year CMT
Max Rate	10.1%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1312 WALKER ST, WATERLOO, IA 50703-1604
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000022284
Date	Jun 17, 2020
Instrument	202000022284

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1312 WALKER ST, WATERLOO, IA 50703-1604
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000017930
Date	Apr 17, 2020
Instrument	202000017930

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1312 WALKER ST, WATERLOO, IA 50703-1604
Transaction Type	Mortgage
Record Updated	Aug 21, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000001667
Date	Jul 26, 2019
Instrument	202000001667

Lender

Name	GREENSTATE CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jan 17, 2018
Property Address	1312 WALKER ST, WATERLOO, IA 50703-1604
Document Number	201800012005
Instrument Date	Jan 9, 2018
Instrument	2018-00012005
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1312 WALKER ST, WATERLOO, IA 50703-1604

Mortgage

Document Number	201800012007
Date	Jan 17, 2018
Instrument	2018-00012007

Lender

Name	UNIVERSITY OF IOWA COMMUNITY CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	120 Months
Due	Jan 5, 2028

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	$4,566.00 (+3.21%)	$223,720 (+8.02%) Land $45,240 Building $178,480	$223,720 (+8.02%) Land $45,240 Building $178,480
2024	$4,424.00 (+25.82%)
2023		$207,110 (+29.39%) Land $45,240 Building $161,870	$207,110 (+29.39%) Land $45,240 Building $161,870
2022	$3,516.00 Homeowner's exemption	$160,070 Land $45,240 Building $114,830
2021			$160,070 Land $45,240 Building $114,830

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 reduced by levee · depends on levee performance
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (1978–1980)
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	Low lower than 97% of the US · lower than 76% of Iowa
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 171 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
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

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