1710 Baltimore St, Waterloo, IA 50702 Property Records

Black Hawk County property record for 1710 Baltimore St, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,728 sqft · built 1939
Lot Size	0.196 acres (8,526 sqft)
Owner	2 Individual Names on Record
Last Sale	$165,000 (Aug 2023)
Tax Bill	$3,818 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-35-326-016`

Property Details

APN / Parcel Number

Primary APN	`8913-35-326-016`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,728 sqft Living Area
1st Floor Area	968 sqft
Attic	Attic
Attic Area	532 sqft
Basement Area	1,010 sqft
Finished Basement	400 sqft
Unfinished Basement	1,010 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,526 sqft (0.196 acres)
Lot Dimensions	147 ft deep x 58 ft wide
Garage Type	Detached
Garage Area	792 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	56 sqft
Deck Area	220 sqft
Patio Area	167 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1710 BALTIMORE ST
City	WATERLOO
State	IA
Zip	50702-3942
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AUDITOR SEARS PLAT NO 1 LOT 35
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	AUDITOR SEARS PLAT NO 1
Legal Lot Number	35
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1006
Census Tract	1200

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	2 Individual Names on Record
Mailing Address	1710 BALTIMORE ST, WATERLOO, IA 50702-3942
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2022	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU
Nov 16, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Aug 14, 2019	Warranty Deed, Transfer · VA Mortgage COLLINS COMMUNITY CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 26, 2023 · Amount on Record
Deed Sale	Aug 26, 2023 · Amount on Record
Prior Sale	Aug 26, 2022 · Amount on Record
Deed Document Number	20233402
Prior Transfer Date	Feb 26, 2014
Prior Transfer Doc	0000015950
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Aug 26, 2022
Property Address	1710 BALTIMORE ST, WATERLOO, IA 50702-3942
Document Number	202300003402
Instrument Date	Aug 17, 2022
Instrument	202300003402
Transaction Type	Transfer
Record Updated	Sep 13, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$263.20
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	1710 BALTIMORE ST, WATERLOO, IA 50702-3942

Mortgage

Document Number	202300003403
Date	Aug 26, 2022
Instrument	202300003403

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 5, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Sep 5, 2032
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	7.5%
Index	1-Year CMT
Max Rate	11.5%

Mortgage

Document Number	202300003404
Date	Aug 26, 2022
Instrument	202300003404

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Sep 5, 2032

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1710 BALTIMORE ST, WATERLOO, IA 50702-3942
Transaction Type	Mortgage
Record Updated	Dec 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200010454
Date	Nov 16, 2021
Instrument	202200010454

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Aug 14, 2019
Property Address	1710 BALTIMORE ST, WATERLOO, IA 50702-3942
Document Number	202000002918
Instrument Date	Aug 8, 2019
Instrument	202000002918
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1710 BALTIRNARE ST, WATERLOO, IA 50702

Mortgage

Document Number	202000002919
Date	Aug 14, 2019
Instrument	202000002919

Lender

Name	COLLINS COMMUNITY CREDIT UNION

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

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	$3,818.00 (-6.51%) Homeowner's exemption	$198,010 (-0.24%) Land $20,500 Building $177,510	$198,010 (-0.24%) Land $20,500 Building $177,510
2024	$4,084.00 (+38.53%)
2023		$198,490 (+35.49%) Land $20,500 Building $177,990	$198,490 (+35.49%) Land $20,500 Building $177,990
2022	$2,948.00 Homeowner's exemption	$146,500 Land $20,500 Building $126,000
2021			$146,500 Land $20,500 Building $126,000

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 · 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

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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