1615 Baltimore St, Waterloo, IA 50702 Property Records

Black Hawk County property record for 1615 Baltimore St, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 3,732 sqft · built 1929
Lot Size	0.89 acres (38,784 sqft)
Owner	2 Individual Names on File
Last Sale	$298,000 (Nov 2025)
Tax Bill	$6,474 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Oct 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-35-327-001`

Property Details

APN / Parcel Number

Primary APN	`8913-35-327-001`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,732 sqft Living Area
1st Floor Area	1,698 sqft
Basement Area	1,854 sqft
Finished Basement	800 sqft
Unfinished Basement	1,854 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1929
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	38,784 sqft (0.89 acres)
Lot Dimensions	192 ft deep x 202 ft wide
Garage Type	Attached
Garage Area	414 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	432 sqft
Patio Area	260 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1615 BALTIMORE ST
City	WATERLOO
State	IA
Zip	50702-3939
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AUDITOR SEARS PLAT NO 1 LOT 38
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	AUDITOR SEARS PLAT NO 1
Legal Lot Number	38
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1005
Census Tract	1200

Owner

1615 Baltimore St is owned and occupied by two individuals who bought it in November 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	1615 BALTIMORE ST, WATERLOO, IA 50702-3939
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Nov 24, 2025	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Oct 13, 2023	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Jul 13, 2023	Affidavit of Death of Joint Tenant, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 24, 2025 · Amount on File
Deed Sale	Nov 24, 2025 · Amount on File
Prior Sale	Oct 13, 2024 · Amount on File
Deed Document Number	202517328
Prior Transfer Date	Jul 12, 2024
Prior Transfer Doc	0000000521
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 24, 2025
Property Address	1615 BALTIMORE ST, WATERLOO, IA 50702-3939
Document Number	0202517328
Instrument Date	Nov 18, 2025
Instrument	2025-17328
Transaction Type	Transfer
Record Updated	Dec 3, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$476.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1615 BALTIMORE ST, WATERLOO, IA 50702-3939

Mortgage

Document Number	0202517329
Date	Nov 24, 2025
Instrument	2025-17329

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2032
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	7.75%
Index	1-Year CMT
Max Rate	11.7%

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 13, 2023
Property Address	1615 BALTIMORE ST, WATERLOO, IA 50702-3939
Document Number	202400005108
Instrument Date	Oct 10, 2023
Instrument	202400005108
Transaction Type	Transfer
Record Updated	Dec 3, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$431.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1615 BALTIMORE ST, WATERLOO, IA 50702-3939

Mortgage

Document Number	202400005109
Date	Oct 13, 2023
Instrument	202400005109

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

July 2023: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	BLACK HAWK IA
Recording Date	Jul 13, 2023
Property Address	1615 BALTIMORE ST, WATERLOO, IA 50702-3939
Document Number	202400000521
Instrument Date	Jul 11, 2023
Instrument	202400000521
Transaction Type	Transfer
Record Updated	Dec 3, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1615 BALTIMORE ST, WATERLOO, IA 50702-3939

Tax Assessment & Valuation

The 2025 property tax bill for 1615 Baltimore St was $6,474 with a homeowner's exemption, up 2.5% 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	$6,474.00 (+2.47%) Homeowner's exemption	$328,090 Land $65,500 Building $262,590	$328,090 Land $65,500 Building $262,590
2024	$6,318.00
2023		$346,980 (+18.97%) Land $65,500 Building $281,480	$346,980 Land $65,500 Building $281,480
2022	$6,210.00 Homeowner's exemption	$291,650 Land $65,500 Building $226,150
2021			$291,650 Land $65,500 Building $226,150

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

Flood

FEMA maps place 1615 Baltimore St in Zone X, an area of minimal flood risk, though there have been 14 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 Policies	1 in force
Nearby Flood Claims	14 (1979–2018)
Claims Outside the SFHA	3 of 14
Most Recent Claim	Oct 2018 · 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

Wildfire risk around 1615 Baltimore St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 91% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 399 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
GigFire Fixed Wireless	150 / 130

May also be available: AT&T, Nextlink, Verizon.

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