1815 W 7th St, Waterloo, IA 50702 Property Records

Black Hawk County property record for 1815 W 7th St, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 812 sqft · built 1951
Lot Size	0.225 acres (9,800 sqft)
Owner	2 Individual Names on File
Last Sale	$188,000 (Oct 2026)
Tax Bill	$2,642 (2025)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Jul 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8913-35-252-019`

Property Details

APN / Parcel Number

Primary APN	`8913-35-252-019`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	812 sqft Living Area
1st Floor Area	812 sqft
Basement Area	812 sqft
Finished Basement	425 sqft
Unfinished Basement	812 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,800 sqft (0.225 acres)
Lot Dimensions	200 ft deep x 49 ft wide
Garage Type	Detached
Garage Area	840 sqft
Parking Spaces	3 Parking Spaces
Deck Area	Deck Area
Patio Area	50 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1815 W 7TH ST
City	WATERLOO
State	IA
Zip	50702-3350
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOLLANDALE ADDITION W 200 FT LOT 56
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	HOLLANDALE ADDITION
Legal Lot Number	56
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2027
Census Tract	1100

Owner

1815 W 7th St is owned and occupied by two individuals who bought it in October 2026.

Source: Black Hawk County records, as of October 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1815 W 7TH ST, WATERLOO, IA 50702-3350
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

Date	Document
Oct 7, 2026	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CREDIT UNION
Jul 14, 2023	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU
Nov 9, 2017	Deed of Trust, Mortgage VERIDIAN CU
Oct 20, 2017	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2026 · Amount on File
Deed Sale	Oct 7, 2026 · Amount on File
Prior Sale	Jul 14, 2024 · Amount on File
Deed Document Number	202615250
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 7, 2026
Property Address	1815 W 7TH ST, WATERLOO, IA 50702-3350
Document Number	0000015250
Instrument Date	Sep 23, 2026
Instrument	202615250
Transaction Type	Transfer
Record Updated	Oct 14, 2026
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$30,300.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1815 W 7TH ST, WATERLOO, IA 50702-3350

Mortgage

Document Number	0000015251,
Date	Oct 7, 2026
Instrument	202615251

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	7.13%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Mortgage

Document Number	0000015252,
Date	Oct 7, 2026
Instrument	202615252

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Oct 1, 2036

Interest

Max Rate	-1%

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jul 14, 2023
Property Address	1815 W 7TH ST, WATERLOO, IA 50702-3350
Document Number	202400000592
Instrument Date	Jul 12, 2023
Instrument	202400000592
Transaction Type	Transfer
Record Updated	Aug 1, 2023
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$279.20
Amount Accuracy	Rounded by County
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	1815 W 7TH ST, WATERLOO, IA 50702-3350

Mortgage

Document Number	202400000593
Date	Jul 14, 2023
Instrument	202400000593

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 5, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Type Change Date	Aug 5, 2028
Change Frequency	Annually
Min Rate At Change	4.87%
Max Rate At Change	8.37%
Index	1-Year T-Bill
Max Rate	12.3%

Mortgage

Document Number	202400000594
Date	Jul 14, 2023
Instrument	202400000594

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Aug 5, 2033

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1815 W 7TH ST, WATERLOO, IA 50702-3350
Transaction Type	Mortgage
Record Updated	Jul 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800008204
Date	Nov 9, 2017
Instrument	2018-00008204

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Amount	Amount on Record
Term	120 Months
Due	Nov 1, 2027

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 20, 2017
Property Address	1815 W 7TH ST, WATERLOO, IA 50702-3350
Document Number	201800007081
Instrument Date	Oct 14, 2017
Instrument	2018-00007081
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
Relationship	Joint Tenants with Right of Survivorship
Address	1815 W 7TH ST, WATERLOO, IA 50702-3350

Mortgage

Document Number	201800007082
Date	Oct 20, 2017
Instrument	2018-00007082

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1815 W 7th St was $2,642 with a homeowner's exemption, down 7.6% 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	$2,642.00 (-7.62%) Homeowner's exemption	$140,330 Land $19,040 Building $121,290	$140,330 Land $19,040 Building $121,290
2024	$2,860.00
2023		$136,070 (+31.9%) Land $19,040 Building $117,030	$136,070 Land $19,040 Building $117,030
2022	$2,070.00 Homeowner's exemption	$103,160 Land $19,040 Building $84,120
2021			$103,160 Land $19,040 Building $84,120

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

Flood

FEMA maps place 1815 W 7th St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	5 (1979–2013)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Mar 2013 · tidal / storm surge

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

The area around 1815 W 7th St has no burnable land within ember reach, so its wildfire risk is not rated.

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 645 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

May also be available: GigFire, Nextlink, Verizon.

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