1724 W 3rd St, Waterloo, IA 50701 Property Records

Black Hawk County property record for 1724 W 3rd St, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,352 sqft · built 1910
Lot Size	0.082 acres (3,570 sqft)
Owner	2 Individual Names on File
Last Sale	$405,000 (Jul 2009)
Tax Bill	$2,262 (2025)
Deeds & Mortgages	May 2018 Mortgage Jul 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-27-477-011`

Property Details

APN / Parcel Number

Primary APN	`8913-27-477-011`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,352 sqft Living Area
1st Floor Area	616 sqft
Basement Area	736 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	3,570 sqft (0.082 acres)
Lot Dimensions	119 ft deep x 30 ft wide
Garage Type	Detached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	296 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1724 W 3RD ST
City	WATERLOO
State	IA
Zip	50701-2806
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOME PARK ADDITION W 30 FT LOT 7 BLK 2
Legal Range	13W
Legal Township	89N
Legal Section	27
Legal Subdivision	HOME PARK ADDITION
Legal Block	2
Legal Lot Number	7
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	3
Census Block	3008
Census Tract	1400

Owner

1724 W 3rd St is owned and occupied by two individuals who bought it in July 2009.

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

Owner of Record	2 Individual Names on File
Mailing Address	1724 W 3RD ST, WATERLOO, IA 50701-2806
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
May 3, 2018	Deed of Trust, Mortgage VERIDIAN CREDIT UNION
Jul 25, 2017	Deed of Trust, Mortgage · ARM VERIDIAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 20, 2009 · Amount on File
Deed Sale	Jul 20, 2009 · Amount on File
Deed Document Number	20092010001430
Record Updated	Oct 29, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1724 W 3RD ST, WATERLOO, IA 50701-2806
Transaction Type	Mortgage
Record Updated	May 30, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800017994
Date	May 3, 2018
Instrument	201800017994

Lender

Name	VERIDIAN CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount on Record
Term	116 Months
Due	Jan 1, 2028

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1724 W 3RD ST, WATERLOO, IA 50701-2806
Transaction Type	Mortgage
Record Updated	Aug 22, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 2018-00001432
Date	Jul 25, 2017
Instrument	2018-00001432

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.87%
Index	1-Year LIBOR
Max Rate	9.87%

Tax Assessment & Valuation

The 2025 property tax bill for 1724 W 3rd St was $2,262 with a homeowner's exemption, down 4% 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	$2,262.00 (-3.99%) Homeowner's exemption	$121,760 Land $9,980 Building $111,780	$121,760 Land $9,980 Building $111,780
2024	$2,356.00
2023		$107,230 (+11.37%) Land $9,980 Building $97,250	$107,230 Land $9,980 Building $97,250
2022	$1,920.00 Homeowner's exemption	$96,280 Land $9,980 Building $86,300
2021			$96,280 Land $9,980 Building $86,300

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1724 W 3rd St in Zone X, an area of minimal flood risk.

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

The area around 1724 W 3rd 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 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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