1423 Vine St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 1423 Vine St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 828 sqft · built 1939
Lot Size	0.161 acres (7,000 sqft)
Owner	Individual Name on File
Tax Bill	$2,252 (2025)
Deeds & Mortgages	May 2021 Line of Credit Feb 2017 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8912-19-328-008`

Property Details

APN / Parcel Number

Primary APN	`8912-19-328-008`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	828 sqft Living Area
1st Floor Area	828 sqft
Basement Area	828 sqft
Finished Basement	475 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,000 sqft (0.161 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	450 sqft
Parking Spaces	2 Parking Spaces
Deck Area	104 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1423 VINE ST
City	WATERLOO
State	IA
Zip	50703-4345
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HIGHLAND 2ND FILING LOT 7 BLK 12
Legal Range	12W
Legal Township	89N
Legal Section	19
Legal Subdivision	HIGHLAND 2ND FILING
Legal Block	12
Legal Lot Number	7
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2002
Census Tract	1900

Owner

1423 Vine St is owned and occupied by an individual who acquired it in March 2011.

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

Owner of Record	Individual Name on File
Mailing Address	1423 VINE ST, WATERLOO, IA 50703-4345
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
May 17, 2021	Deed of Trust, Mortgage · Line of Credit DUPACO COMMUNITY CU
Feb 20, 2017	Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF IOWA COMMUNITY CU
Aug 18, 2020	Deed of Trust, Mortgage · Line of Credit DUPACO COMMUNITY CU
Feb 7, 2018	Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF IOWA CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 23, 2011
Transfer Doc	2011018427
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1423 VINE ST, WATERLOO, IA 50703-4345
Transaction Type	Mortgage
Record Updated	May 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100024240
Date	May 17, 2021
Instrument	202100024240

Lender

Name	DUPACO COMMUNITY CU
Type	Credit Union
Address	DUBUQUE, IA 52002

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	May 16, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1423 VINE ST, WATERLOO, IA 50703-4345
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700014690
Date	Feb 20, 2017
Instrument	2017-00014690

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Feb 19, 2022

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1423 VINE ST, WATERLOO, IA 50703-4345
Transaction Type	Mortgage
Record Updated	Aug 27, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100003467
Date	Aug 18, 2020
Instrument	202100003467

Lender

Name	DUPACO COMMUNITY CU
Type	Credit Union
Address	DUBUQUE, IA 52002

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1423 VINE ST, WATERLOO, IA 50703-4345
Transaction Type	Mortgage
Record Updated	Mar 8, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800013011
Date	Feb 7, 2018
Instrument	201800013011

Lender

Name	UNIVERSITY OF IOWA CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	59 Months
Due	Jan 1, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 1423 Vine St was $2,252 with a homeowner's exemption, down 6.5% 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	$2,252.00 (-6.48%) Homeowner's exemption	$121,230 Land $15,000 Building $106,230	$121,230 Land $15,000 Building $106,230
2024	$2,408.00
2023		$118,680 (+37.58%) Land $15,000 Building $103,680	$118,680 Land $15,000 Building $103,680
2022	$1,700.00 Homeowner's exemption	$86,260 Land $15,000 Building $71,260
2021			$86,260 Land $15,000 Building $71,260

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

Flood

FEMA maps place 1423 Vine St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2010.

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	5 in force
Nearby Flood Claims	1 (2010)
Most Recent Claim	Jul 2010 · Severe Storms, Flooding, And Tornadoes

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 1423 Vine 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 79 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

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