1709 W 3rd St, Waterloo, IA 50701 Property Records

Black Hawk County property record for 1709 W 3rd St, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,479 sqft · built 1935
Lot Size	0.168 acres (7,320 sqft)
Owner	Individual Name on Record
Last Sale	$124,500 (May 2022)
Tax Bill	$2,676 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-27-480-005`

Property Details

APN / Parcel Number

Primary APN	`8913-27-480-005`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,479 sqft Living Area
1st Floor Area	616 sqft
Basement Area	736 sqft
Unfinished Basement	736 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gambrel
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	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	127 sqft
Patio Area	232 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1709 W 3RD ST
City	WATERLOO
State	IA
Zip	50701-2805
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOME PARK ADDITION LOT 2 BLK 5
Legal Range	13W
Legal Township	89N
Legal Section	27
Legal Subdivision	HOME PARK ADDITION
Legal Block	5
Legal Lot Number	2
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	Individual Name on Record
Mailing Address	1709 W 3RD ST, WATERLOO, IA 50701-2805
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 26, 2022	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Jun 28, 2017	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 26, 2022 · Amount on Record
Deed Sale	May 26, 2022 · Amount on Record
Prior Sale	Jun 28, 2017 · Amount on Record
Deed Document Number	202223048
Prior Transfer Date	Feb 15, 2011
Prior Transfer Doc	2011016431
Record Updated	Oct 29, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 26, 2022
Property Address	1709 W 3RD ST, WATERLOO, IA 50701-2805
Document Number	202200023048
Instrument Date	May 23, 2022
Instrument	202200023048
Transaction Type	Transfer
Record Updated	Jun 10, 2022
Title Company	TITLE SERVICES

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$198.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1709 W 3RD ST, WATERLOO, IA 50701-2805

Mortgage

Document Number	202200023049
Date	May 26, 2022
Instrument	202200023049

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Jun 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6.12%
Index	1-Year CMT
Max Rate	10.1%

Mortgage

Document Number	202200023050
Date	May 26, 2022
Instrument	202200023050

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jun 1, 2032

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 28, 2017
Property Address	1709 W 3RD ST, WATERLOO, IA 50701-2805
Document Number	201700022923
Instrument Date	Jun 21, 2017
Instrument	2017-00022923
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$183.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1709 W 3RD ST, WATERLOO, IA 50701-2805

Mortgage

Document Number	201700022924
Date	Jun 28, 2017
Instrument	2017-00022924

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

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	$2,676.00 (+5.02%) Homeowner's exemption	$142,060 (+11.24%) Land $20,160 Building $121,900	$142,060 (+11.24%) Land $20,160 Building $121,900
2024	$2,548.00 (+10.4%)
2023		$127,710 (+12.05%) Land $20,160 Building $107,550	$127,710 (+12.05%) Land $20,160 Building $107,550
2022	$2,308.00 Homeowner's exemption	$113,980 Land $20,160 Building $93,820
2021			$113,980 Land $20,160 Building $93,820

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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