1803 W 3rd St, Waterloo, IA 50701 Property Records

Black Hawk County property record for 1803 W 3rd St, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,122 sqft · built 1915
Lot Size	0.084 acres (3,660 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,904 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-27-479-010`

Property Details

APN / Parcel Number

Primary APN	`8913-27-479-010`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,122 sqft Living Area
1st Floor Area	660 sqft
Basement Area	660 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Exterior Material	Other
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,660 sqft (0.084 acres)
Lot Dimensions	122 ft deep x 30 ft wide
Garage Type	Detached
Garage Area	330 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	192 sqft
Deck Area	Deck Area
Patio Area	36 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1803 W 3RD ST
City	WATERLOO
State	IA
Zip	50701-2807
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOME PARK ADDITION E 30 FT LOT 1 BLK 4
Legal Range	13W
Legal Township	89N
Legal Section	27
Legal Subdivision	HOME PARK ADDITION
Legal Block	4
Legal Lot Number	1
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2007
Census Tract	1400

Owner

Source: Black Hawk County records, as of October 9, 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	1803 W 3RD ST, WATERLOO, IA 50701-2807
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage GREENSTATE CU
Jul 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED CREDIT UNION
Nov 30, 2018	Deed of Trust, Mortgage · Balloon Mortgage UNI CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1803 W 3RD ST, WATERLOO, IA 50701-2807
Transaction Type	Mortgage
Record Updated	Sep 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200005274
Date	Sep 7, 2021
Instrument	202200005274

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 5, 2051

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1803 W 3RD ST, WATERLOO, IA 50701-2807
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100002191
Date	Jul 29, 2020
Instrument	202100002191

Lender

Name	UNITED CREDIT UNION
Type	Credit Union
Address	CEDAR FALLS, IA 50613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Aug 1, 2030

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1803 W 3RD ST, WATERLOO, IA 50701-2807
Transaction Type	Mortgage
Record Updated	Jan 2, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900008482
Date	Nov 30, 2018
Instrument	201900008482

Lender

Name	UNI CU

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Dec 1, 2028

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	$1,904.00 (+7.09%) Homeowner's exemption	$104,190 (+13.04%) Land $10,080 Building $94,110	$104,190 (+13.04%) Land $10,080 Building $94,110
2024	$1,778.00 (+9.48%)
2023		$92,170 (+11.28%) Land $10,080 Building $82,090	$92,170 (+11.28%) Land $10,080 Building $82,090
2022	$1,624.00 Homeowner's exemption	$82,830 Land $10,080 Building $72,750
2021			$82,830 Land $10,080 Building $72,750

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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