1815 W 3rd St, Waterloo, IA 50701 Property Records

Black Hawk County property record for 1815 W 3rd St, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 922 sqft · built 1911
Lot Size	0.196 acres (8,540 sqft)
Owner	Individual Name on File
Last Sale	$99,000 (Apr 2020)
Tax Bill	$2,156 (2025)
Deeds & Mortgages	Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-27-479-007`

Property Details

APN / Parcel Number

Primary APN	`8913-27-479-007`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	922 sqft Living Area
1st Floor Area	922 sqft
Basement Area	922 sqft
Unfinished Basement	922 sqft
Game Room	Game Room
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1911
Effective Year Built	Effective 1911
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,540 sqft (0.196 acres)
Lot Dimensions	122 ft deep x 70 ft wide
Garage Type	Detached
Garage Area	384 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	140 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1815 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 10 FT LOT 2 BLK 4 ALL LOT 3 BLK 4
Legal Range	13W
Legal Township	89N
Legal Section	27
Legal Subdivision	HOME PARK ADDITION
Legal Block	4
Legal Lot Number	2,3
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2007
Census Tract	1400

Owner

Source: Black Hawk County records · APN 8913-27-479-007

Assessment roll updated October 17, 2025 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	1815 W 3RD ST, WATERLOO, IA 50701-2807
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 30, 2020 · Amount on Record
Deed Sale	Apr 30, 2020 · Amount on Record
Prior Sale	Sep 02, 2010 · Amount on Record
Deed Document Number	202018874
Record Updated	Sep 20, 2026

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 30, 2020
Property Address	1815 W 3RD ST, WATERLOO, IA 50701-2807
Document Number	202000018874
Instrument Date	Apr 05, 2020
Instrument	202000018874
Transaction Type	Transfer
Record Updated	Jul 08, 2022
Title Company	TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$157.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1815 W 3RD ST, WATERLOO, IA 50701-2807

Mortgage

Document Number	202000018875
Date	Apr 30, 2020
Instrument	202000018875

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2050

Tax Assessment & Valuation

Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified June 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,156.00 Homeowner's exemption	$122,200 (+11.49%) Land $23,520 Building $98,680	$122,200 (+11.49%) Land $23,520 Building $98,680
2024	$2,156.00 (+8.23%)
2023		$109,610 (+10.11%) Land $23,520 Building $86,090	$109,610 (+10.11%) Land $23,520 Building $86,090
2022	$1,992.00 Homeowner's exemption	$99,550 Land $23,520 Building $76,030
2021			$99,550 Land $23,520 Building $76,030

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 27, 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Waterloo Telecommunications Utility Fiber	10,000 / 10,000
Metronet Holdings Fiber	5,120 / 5,120
Mediacom Communications Cable · Fiber in parts of the area	1,000 / 50
T-Mobile USA Fixed Wireless	100 / 20

May also be available: AMG Technology Investment Group, LTD Broadband, Verizon.

Based on FCC filings for 690 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	WATERLOO WATER WORKS serves 69,504 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.