1509 W 3rd St, Waterloo, IA 50701 Property Records

Black Hawk County property record for 1509 W 3rd St, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,456 sqft · built 1913
Lot Size	0.14 acres (6,100 sqft)
Owner	Individual Name on Record
Last Sale	$94,000 (Feb 2007)
Tax Bill	$2,674 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-26-354-005`

Property Details

APN / Parcel Number

Primary APN	`8913-26-354-005`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,456 sqft Living Area
1st Floor Area	728 sqft
Basement Area	728 sqft
Unfinished Basement	728 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1913
Effective Year Built	Effective 1913
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	6,100 sqft (0.14 acres)
Lot Dimensions	122 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	488 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1509 W 3RD ST
City	WATERLOO
State	IA
Zip	50701-2717
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	JAMES SULLIVAN ADDITION LOT 2 BLK 1
Legal Range	13W
Legal Township	89N
Legal Section	26
Legal Subdivision	JAMES SULLIVAN ADDITION
Legal Block	1
Legal Lot Number	2
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	3
Census Block	3011
Census Tract	1400

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	1509 W 3RD ST, WATERLOO, IA 50701-2717
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 5, 2007 · Amount on Record
Deed Sale	Feb 5, 2007 · Amount on Record
Deed Document Number	200716816
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Aug 2, 2022
Property Address	1509 W 3RD ST, WATERLOO, IA 50701-2717
Document Number	202300001876
Instrument Date	Jul 22, 2022
Instrument	202300001876
Transaction Type	Transfer
Record Updated	Aug 15, 2022
Title Company	TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$207.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1509 W 3RD ST, WATERLOO, IA 50701-2717

Mortgage

Document Number	202300001877
Date	Aug 2, 2022
Instrument	202300001877

Lender

Name	GREATER IOWA CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Aug 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	9.5%
Index	1-Year CMT
Max Rate	9.5%

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	$2,674.00 (+6.79%) Homeowner's exemption	$141,920 (+12.95%) Land $16,800 Building $125,120	$141,920 (+12.95%) Land $16,800 Building $125,120
2024	$2,504.00 (+1.29%)
2023		$125,650 (+11.64%) Land $16,800 Building $108,850	$125,650 (+11.64%) Land $16,800 Building $108,850
2022	$2,472.00 Homeowner's exemption	$112,550 Land $16,800 Building $95,750
2021			$112,550 Land $16,800 Building $95,750

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 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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