138 Smith St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 138 Smith St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,210 sqft · built 1909
Lot Size	0.055 acres (2,400 sqft)
Owner	Individual Name on Record
Last Sale	$28,000 (Jan 2026)
Tax Bill	$604 (2025)
Deeds & Mortgages	Mar 2025 Sale Jan 2026 Sale
Flood Zone	Zone X (minimal risk)
APN	`8913-24-459-007`

Property Details

APN / Parcel Number

Primary APN	`8913-24-459-007`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,210 sqft Living Area
1st Floor Area	576 sqft
Basement Area	576 sqft
Unfinished Basement	576 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	2,400 sqft (0.055 acres)
Lot Dimensions	48 ft deep x 50 ft wide
Porch	Porch
Porch Area	96 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	138 SMITH ST
City	WATERLOO
State	IA
Zip	50703-4027
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SMITHS SUBDIVISION W 50 FT E 105 FT LOTS 10 AND 11
Legal Range	13W
Legal Township	89N
Legal Section	24
Legal Subdivision	SMITHS SUBDIVISION
Legal Lot Number	10,11
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1010
Census Tract	700

Owner

Source: Black Hawk County records, as of May 27, 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	2355 INDEPENDENCE AVE, EVANSDALE, IA 50707-2619
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 7, 2025	Land Contract, Transfer
Jan 15, 2026	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 15, 2026 · Amount on Record
Deed Sale	Jan 15, 2026 · Amount on Record
Deed Document Number	2026652
Record Updated	Sep 20, 2026

March 2025: Land Contract, Transfer

Document Type	Land Contract
Jurisdiction	BLACK HAWK IA
Recording Date	Mar 7, 2025
Property Address	138 SMITH ST, WATERLOO, IA 50703-4027
Document Number	0202503086
Instrument Date	Feb 28, 2025
Instrument	2025-03086
Transaction Type	Transfer
Record Updated	Jan 28, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2355 INDEPENDENCE AVE, WATERLOO, IA 50707-2619
Investor	Possibly a Property Investor

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jan 15, 2026
Property Address	138 SMITH ST, WATERLOO, IA 50703-4027
Document Number	0202600652
Instrument Date	Jan 15, 2025
Instrument	2026-00652
Transaction Type	Transfer
Record Updated	Jan 28, 2026

Transaction

Amount	Amount Recorded
Tax	$44.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2355 INDEPENDENCE AVE, WATERLOO, IA 50707-2619
Investor	Possibly a Property Investor

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	$604.00	$39,740 (+42.59%) Land $2,240 Building $37,500	$39,740 (+42.59%) Land $2,240 Building $37,500
2024	$604.00 (-47.57%)
2023		$27,870 (+1.01%) Land $2,240 Building $25,630	$27,870 (+1.01%) Land $2,240 Building $25,630
2022	$1,152.00	$27,590 Land $2,240 Building $25,350
2021			$27,590 Land $2,240 Building $25,350

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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