1809 Baltimore St, Waterloo, IA 50702 Property Records

Black Hawk County property record for 1809 Baltimore St, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,933 sqft · built 1949
Lot Size	0.287 acres (12,500 sqft)
Owner	Individual Name on Record
Last Sale	$265,000 (Mar 2026)
Tax Bill	$5,784 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Aug 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-35-329-001`

Property Details

APN / Parcel Number

Primary APN	`8913-35-329-001`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,933 sqft Living Area
1st Floor Area	1,008 sqft
Basement Area	1,008 sqft
Unfinished Basement	1,008 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,500 sqft (0.287 acres)
Lot Dimensions	100 ft deep x 125 ft wide
Garage Type	Attached
Garage Area	575 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	260 sqft
Deck Area	80 sqft
Patio Area	351 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1809 BALTIMORE ST
City	WATERLOO
State	IA
Zip	50702-3943
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AUDITOR SEARS PLAT NO 1 W 1/2 LOT 62
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	AUDITOR SEARS PLAT NO 1
Legal Lot Number	62
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1011
Census Tract	1200

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	1809 BALTIMORE ST, WATERLOO, IA 50702-3943
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2026	Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Aug 24, 2021	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Jun 10, 2021	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 30, 2026 · Amount on Record
Deed Sale	Mar 30, 2026 · Amount on Record
Prior Sale	Jun 10, 2021 · Amount on Record
Deed Document Number	20264148
Record Updated	Oct 29, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Mar 30, 2026
Property Address	1809 BALTIMORE ST, WATERLOO, IA 50702-3943
Document Number	0202604148
Instrument Date	Mar 4, 2026
Instrument	2026-04148
Transaction Type	Transfer
Record Updated	Apr 8, 2026
Title Company	BLACK HAWK COUNTY ABSTRACT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$423.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1809 BALTIMORE ST, WATERLOO, IA 50702-3943

Mortgage

Document Number	0202604149
Date	Mar 30, 2026
Instrument	2026-04149

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2046

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1809 BALTIMORE ST, WATERLOO, IA 50702-3943
Transaction Type	Mortgage
Record Updated	Jul 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1809 BALTIMORE ST, WATERLOO, IA 50702-3943

Mortgage

Document Number	202200004272
Date	Aug 24, 2021
Instrument	202200004272

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 10, 2021
Property Address	1809 BALTIMORE ST, WATERLOO, IA 50702-3943
Document Number	202100026052
Instrument Date	Jun 3, 2021
Instrument	202100026052
Transaction Type	Transfer
Record Updated	Jul 8, 2022
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$388.00
Amount Accuracy	Full Amount Stated
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	1809 BALTIMORE ST, WATERLOO, IA 50702-3943

Mortgage

Document Number	202100026053
Date	Jun 10, 2021
Instrument	202100026053

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

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	$5,784.00 (+4.9%) Homeowner's exemption	$294,300 (+11.3%) Land $34,650 Building $259,650	$294,300 (+11.3%) Land $34,650 Building $259,650
2024	$5,514.00 (+14.73%)
2023		$264,430 (+20.83%) Land $34,650 Building $229,780	$264,430 (+20.83%) Land $34,650 Building $229,780
2022	$4,806.00	$218,850 Land $34,650 Building $184,200
2021			$218,850 Land $34,650 Building $184,200

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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