1813 Castle St, Waterloo, IA 50701 Property Records

Black Hawk County property record for 1813 Castle St, Waterloo, IA 50701

Property Summary

Property Type	Townhouse
Details	2 bd · 2.5 ba · 1,290 sqft · built 2013
Lot Size	0.122 acres (5,300 sqft)
Owner	Individual Name on File
Tax Bill	$3,402 (2025)
Deeds & Mortgages	Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-20-227-027`

Property Details

APN / Parcel Number

Primary APN	`8913-20-227-027`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,290 sqft Living Area
1st Floor Area	1,290 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Townhouse
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,300 sqft (0.122 acres)
Lot Dimensions	106 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	566 sqft
Parking Spaces	2 Parking Spaces
Patio Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1813 CASTLE ST
City	WATERLOO
State	IA
Zip	50701-1611
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	PART OF NE ? SEC 20 T 89 R 13 DESC AS COM AT NE COR OF NE ? TH W 249.68 FT ALONG N LINE OF NE 1/4 TH S 24.42 FT TH E 50.40 FT
Legal Range	13W
Legal Township	89N
Legal Section	20
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2029
Census Tract	1503

Owner

1813 Castle St, a townhouse, is owned and occupied by an individual who acquired it in September 2013.

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

Owner of Record	Individual Name on File
Mailing Address	1813 CASTLE ST, WATERLOO, IA 50701-1611
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 17, 2013
Transfer Doc	0000019346
Record Updated	Oct 29, 2026

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Aug 8, 2017
Property Address	1813 CASTLE ST, WATERLOO, IA 50701-1611
Document Number	201800002301
Instrument Date	Jul 28, 2017
Instrument	2018-00002301
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1580 S AVE, TRAER, IA 50675-9597

Mortgage

Document Number	201800002302
Date	Aug 8, 2017
Instrument	2018-00002302

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2027
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.87%
Index	1-Year LIBOR
Max Rate	9.87%

Tax Assessment & Valuation

The 2025 property tax bill for 1813 Castle St was $3,402 with a homeowner's exemption, up 1.9% 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	$3,402.00 (+1.92%) Homeowner's exemption	$192,220 Land $16,880 Building $175,340	$192,220 Land $16,880 Building $175,340
2024	$3,338.00
2023		$177,820 (+21.76%) Land $16,880 Building $160,940	$177,820 Land $16,880 Building $160,940
2022	$3,208.00	$146,040 Land $16,880 Building $129,160
2021			$146,040 Land $16,880 Building $129,160

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1813 Castle St in Zone X, an area of minimal flood risk, though there have been 58 flood claims nearby since 1978.

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	2 in force
Nearby Flood Claims	58 (1978–2016)
Most Recent Claim	Sep 2016 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2016 · 5 claims Severe Storms, Tornadoes, And Flooding, Jun 2008 · 11 claims Severe Storms & Flooding, Aug 1993 · 12 claims

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

Wildfire risk around 1813 Castle St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 98.1% 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 200 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, GigFire, Nextlink.

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