1325 W 5th St, Waterloo, IA 50702 Property Records

Black Hawk County property record for 1325 W 5th St, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,166 sqft · built 1908
Lot Size	0.077 acres (3,350 sqft)
Owner	Company Name on File
Last Sale	$68,000 (Oct 2021)
Tax Bill	$1,518 (2025)
Deeds & Mortgages	Sep 2020 Line of Credit Oct 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`8913-26-381-001`

Property Details

APN / Parcel Number

Primary APN	`8913-26-381-001`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,166 sqft Living Area
1st Floor Area	572 sqft
Basement Area	572 sqft
Unfinished Basement	572 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1908
Effective Year Built	Effective 1908
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	3,350 sqft (0.077 acres)
Lot Dimensions	80 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	180 sqft

Exterior Amenities

Porch	Porch
Porch Area	154 sqft
Patio Area	202 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1325 W 5TH ST
City	WATERLOO
State	IA
Zip	50702-2901
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEAVITT JOHNSON AND MILLER ADD COM AT SW COR LOT 2 BLK 2 TH E 89.8 FT TH NW 83.9 FT TO INTERSECTION WITH SE LINE OF 5TH ST
Legal Range	13W
Legal Township	89N
Legal Section	26
Legal Subdivision	LEAVITT JOHNSON AND MILLER ADD
Legal Block	2
Legal Lot Number	1,2
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1029
Census Tract	200

Owner

1325 W 5th St is owned by a company that bought it in October 2021.

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

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

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
Sep 14, 2020	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Oct 16, 2020	Deed of Trust, Mortgage · Line of Credit KERNDT BROTHERS SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 16, 2021 · Amount on File
Deed Sale	Oct 16, 2021 · Amount on File
Prior Sale	Jun 13, 2013 · Amount on File
Deed Document Number	20218181
Prior Transfer Date	Feb 7, 2018
Prior Transfer Doc	0000013079
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1325 W 5TH ST, WATERLOO, IA 50702-2901
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1325 W 5TH ST, WATERLOO, IA 50702-2901

Mortgage

Document Number	202100005461
Date	Sep 14, 2020
Instrument	202100005461

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Sep 13, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1325 W 5TH ST, WATERLOO, IA 50702-2901
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE SERVICES

Transferred To (Grantee/Buyer)

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

Mortgage

Document Number	202100008182
Date	Oct 16, 2020
Instrument	202100008182

Lender

Name	KERNDT BROTHERS SAVINGS BANK
Type	Bank
Address	CEDAR RAPIDS, IA 52402

Agreement

Type	Line of Credit
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 1325 W 5th St was $1,518, up 5.7% 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	$1,518.00 (+5.71%)	$74,340 Land $7,660 Building $66,680	$74,340 Land $7,660 Building $66,680
2024	$1,436.00
2023		$66,230 (+21.88%) Land $7,660 Building $58,570	$66,230 Land $7,660 Building $58,570
2022	$1,327.00	$54,340 Land $7,660 Building $46,680
2021			$54,340 Land $7,660 Building $46,680

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

Flood

FEMA maps place 1325 W 5th St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1980.

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	3 in force
Nearby Flood Claims	1 (1980)
Most Recent Claim	Jul 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

The area around 1325 W 5th St has no burnable land within ember reach, so its wildfire risk is not rated.

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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