1805 W 3rd St, Waterloo, IA 50701 Property Records

Black Hawk County property record for 1805 W 3rd St, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,170 sqft · built 1913
Lot Size	0.084 acres (3,660 sqft)
Owner	Company Name on Record
Last Sale	$47,500 (Aug 2018)
Tax Bill	$2,298 (2025)
Deeds & Mortgages	Oct 2018 Mortgage Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-27-479-009`

Property Details

APN / Parcel Number

Primary APN	`8913-27-479-009`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,170 sqft Living Area
1st Floor Area	660 sqft
Basement Area	660 sqft
Finished Basement	400 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1913
Effective Year Built	Effective 1913
Exterior Material	Aluminum Siding
Construction Type	Frame
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	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	144 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1805 W 3RD ST
City	WATERLOO
State	IA
Zip	50701-2807
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOME PARK ADDITION W 1/2 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 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	PO BOX 538, WATERLOO, IA 50704-0538
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2018	Deed of Trust, Mortgage US BANK NA
Jun 8, 2020	Deed of Trust, Mortgage NXT BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 16, 2018 · Amount on Record
Deed Sale	Aug 16, 2018 · Amount on Record
Prior Sale	Aug 1, 2013 · Amount on Record
Deed Document Number	2018201900002712
Record Updated	Oct 29, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1805 W 3RD ST, WATERLOO, IA 50701-2807
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900006838
Date	Oct 26, 2018
Instrument	201900006838

Lender

Name	US BANK NA
Type	Bank

Agreement

Amount	Amount Recorded

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1805 W 3RD ST, WATERLOO, IA 50701-2807
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000021453
Date	Jun 8, 2020
Instrument	202000021453

Lender

Name	NXT BANK
Type	Bank
Address	WATERLOO, IA 50701

Agreement

Amount	Amount Recorded

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	$2,298.00 (+6.39%)	$112,630 (+13.08%) Land $10,080 Building $102,550	$112,630 (+13.08%) Land $10,080 Building $102,550
2024	$2,160.00 (+9.76%)
2023		$99,600 (+11.16%) Land $10,080 Building $89,520	$99,600 (+11.16%) Land $10,080 Building $89,520
2022	$1,968.00	$89,600 Land $10,080 Building $79,520
2021			$89,600 Land $10,080 Building $79,520

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.

Nearby Properties on W 3rd St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures