157 Madison St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 157 Madison St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,023 sqft · built 1900
Lot Size	0.132 acres (5,760 sqft)
Owner	Individual Name on File
Last Sale	$69,875 (Aug 2021)
Tax Bill	$1,756 (2025)
Deeds & Mortgages	Oct 2026 Line of Credit Aug 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8912-30-102-014`

Property Details

APN / Parcel Number

Primary APN	`8912-30-102-014`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,023 sqft Living Area
1st Floor Area	602 sqft
Basement Area	602 sqft
Unfinished Basement	602 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,760 sqft (0.132 acres)
Lot Dimensions	128 ft deep x 45 ft wide
Garage Type	Detached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	180 sqft
Deck Area	Deck Area
Patio Area	64 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	157 MADISON ST
City	WATERLOO
State	IA
Zip	50703-4237
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HILLSIDE ADDITION WATERLOO LOT 2 BLK 3
Legal Range	12W
Legal Township	89N
Legal Section	30
Legal Subdivision	HILLSIDE ADDITION WATERLOO
Legal Block	3
Legal Lot Number	2
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	3
Census Block	3002
Census Tract	1900

Owner

157 Madison St is owned and occupied by an individual who bought it in August 2021.

Source: Black Hawk County records, as of October 16, 2026

Owner of Record	Individual Name on File
Mailing Address	157 MADISON ST, WATERLOO, IA 50703-4237
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
Oct 9, 2026	Deed of Trust, Mortgage · Line of Credit VERIDIAN CREDIT UNION
Aug 18, 2020	Warranty Deed, Transfer · FHA Mortgage DAS ACQUISITION
Jun 1, 2017	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 18, 2021 · Amount on File
Deed Sale	Aug 18, 2021 · Amount on File
Prior Sale	Aug 18, 2020 · Amount on File
Deed Document Number	20213516
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 9, 2026
Property Address	157 MADISON ST, WATERLOO, IA 50703-4237
Document Number	0000015333
Instrument Date	Oct 5, 2026
Instrument	202615333
Transaction Type	Mortgage
Record Updated	Oct 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015333,
Date	Oct 9, 2026
Instrument	202615333

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Aug 18, 2020
Property Address	157 MADISON ST, WATERLOO, IA 50703-4237
Document Number	202100003516
Instrument Date	Aug 11, 2020
Instrument	202100003516
Transaction Type	Transfer
Record Updated	Jun 25, 2021
Title Company	TITLE SERVICES GROUP, TITLE SERVICES CORP

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$111.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	157 MADISON ST, WATERLOO, IA 50703-4237

Mortgage

Document Number	202100003517
Date	Aug 18, 2020
Instrument	202100003517

Lender

Name	DAS ACQUISITION
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Mortgage

Document Number	202100003518
Date	Aug 18, 2020
Instrument	202100003518

Lender

Name	DAS ACQUISITION
Type	Mortgage Company
Address	SAINT LOUIS, MO 63141

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Sep 1, 2030

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 1, 2017
Property Address	157 MADISON ST, WATERLOO, IA 50703-4237
Document Number	201700020983
Instrument Date	May 30, 2017
Instrument	2017-00020983
Transaction Type	Transfer
Record Updated	Mar 18, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700020984
Date	Jun 1, 2017
Instrument	2017-00020984

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 157 Madison St was $1,756 with a homeowner's exemption, up 39.8% 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	$1,756.00 (+39.81%) Homeowner's exemption	$96,900 Land $4,800 Building $92,100	$96,900 Land $4,800 Building $92,100
2024	$1,256.00
2023		$68,150 (+21.57%) Land $4,800 Building $63,350	$68,150 Land $4,800 Building $63,350
2022	$1,036.00 Homeowner's exemption	$56,060 Land $4,800 Building $51,260
2021			$56,060 Land $4,800 Building $51,260

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

Flood

FEMA maps place 157 Madison St in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1979.

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	7 (1979)
Most Recent Claim	Apr 1979 · 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 157 Madison 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 446 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, Waterloo Fiber.

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