1703 W 3rd St, Waterloo, IA 50701 Property Records

Black Hawk County property record for 1703 W 3rd St, Waterloo, IA 50701

Property Summary

Property Type	Duplex
Details	4 bd · 2.5 ba · 2,112 sqft · built 1940
Lot Size	0.168 acres (7,320 sqft)
Owner	Company Name on Record
Last Sale	$84,000 (May 2023)
Tax Bill	$2,344 (2025)
Deeds & Mortgages	May 2023 Sale & Construction Loan Sep 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`8913-27-480-006`

Property Details

APN / Parcel Number

Primary APN	`8913-27-480-006`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,112 sqft Total Area
1st Floor Area	1,008 sqft
Basement Area	1,072 sqft
Unfinished Basement	1,072 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Duplex Single
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,320 sqft (0.168 acres)
Lot Dimensions	122 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1703 W 3RD ST
City	WATERLOO
State	IA
Zip	50701-2805
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	HOME PARK ADDITION LOT 1 BLK 5
Legal Range	13W
Legal Township	89N
Legal Section	27
Legal Subdivision	HOME PARK ADDITION
Legal Block	5
Legal Lot Number	1
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	3
Census Block	3009
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	Company Name on Record
Mailing Address	205 COLUMBIA CIR, WATERLOO, IA 50701-3029
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
May 22, 2023	Warranty Deed, Transfer · Construction Mortgage HILLS BANK AND TRUST CO
Sep 12, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 22, 2023 · Amount on Record
Deed Sale	May 22, 2023 · Amount on Record
Prior Sale	Oct 2, 2008 · Amount on Record
Deed Document Number	202315583
Prior Transfer Date	Sep 8, 2017
Prior Transfer Doc	201800004565
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 22, 2023
Property Address	1703 W 3RD ST, WATERLOO, IA 50701-2805
Document Number	202300015583
Instrument Date	May 19, 2023
Instrument	202300015583
Transaction Type	Transfer
Record Updated	Jun 6, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$133.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	205 COLUMBIA CIR, WATERLOO, IA 50701-3029

Mortgage

Document Number	202300015688
Date	May 23, 2023
Instrument	202300015688

Lender

Name	HILLS BANK AND TRUST CO
Type	Bank
Address	HILLS, IA 52235

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	300 Months
Due	May 19, 2048

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 12, 2017
Property Address	1703 W 3RD ST, WATERLOO, IA 50701-2805
Document Number	201800004565
Instrument Date	Sep 8, 2017
Instrument	2018-00004565
Transaction Type	Transfer
Record Updated	Jun 6, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1723 RAINBOW DR, WATERLOO, IA 50701-1178

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	$2,344.00 (-26.24%)	$114,880 (-21.57%) Land $20,160 Building $94,720	$114,880 (-21.57%) Land $20,160 Building $94,720
2024	$3,178.00 (+13.42%)
2023		$146,480 (+14.83%) Land $20,160 Building $126,320	$146,480 (+14.83%) Land $20,160 Building $126,320
2022	$2,802.00	$127,560 Land $20,160 Building $107,400
2021			$127,560 Land $20,160 Building $107,400

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 690 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
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink, Verizon.

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