1845 W 3rd St, Waterloo, IA 50701 Property Records

Black Hawk County property record for 1845 W 3rd St, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,584 sqft · built 1921
Lot Size	0.168 acres (7,320 sqft)
Owner	Individual Name on File
Last Sale	$117,000 (May 2007)
Tax Bill	$2,536 (2025)
Deeds & Mortgages	Aug 2018 Mortgage May 2006 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8913-27-479-001`

Property Details

APN / Parcel Number

Primary APN	`8913-27-479-001`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,584 sqft Living Area
1st Floor Area	676 sqft
Basement Area	788 sqft
Finished Basement	300 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1921
Effective Year Built	Effective 1921
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,320 sqft (0.168 acres)
Lot Dimensions	122 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	176 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1845 W 3RD ST
City	WATERLOO
State	IA
Zip	50701-2807
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOME PARK ADDITION LOT 8 BLK 4
Legal Range	13W
Legal Township	89N
Legal Section	27
Legal Subdivision	HOME PARK ADDITION
Legal Block	4
Legal Lot Number	8
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2007
Census Tract	1400

Owner

1845 W 3rd St is owned and occupied by an individual who bought it in May 2007.

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

Owner of Record	Individual Name on File
Mailing Address	1845 W 3RD ST, WATERLOO, IA 50701-2807
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
Aug 9, 2018	Deed of Trust, Mortgage DITECH FINANCIAL LLC
May 23, 2006	Deed of Trust, Mortgage VERIDIAN CU
May 21, 2007	Joint Tenancy Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Aug 18, 2005	Legal Action/Court Order, Foreclosure · Conventional Mortgage COUNTRYWIDE HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 21, 2007 · Amount on File
Deed Sale	May 21, 2007 · Amount on File
Prior Sale	Aug 18, 2005 · Amount on File
Deed Document Number	200724624
Prior Transfer Date	May 18, 2007
Prior Transfer Doc	2007024625
Record Updated	Oct 29, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1845 W 3RD ST, WATERLOO, IA 50701-2807
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900002225
Date	Aug 9, 2018
Instrument	201900002225

Lender

Name	DITECH FINANCIAL LLC
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	353 Months
Due	Jan 1, 2048

May 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1845 W 3RD ST, WATERLOO, IA 50701-2807
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	BLACK HAWK COUNTY ABSTRACT, BLACK HAWK COUNTY ABSTRACT C

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2006028043
Date	May 23, 2006
Instrument	2006028043

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Amount	Amount on Record
Term	85 Months
Due	Jun 1, 2013

May 2007: Joint Tenancy Deed, Transfer

Document Type	Joint Tenancy Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 21, 2007
Property Address	1845 W 3RD ST, WATERLOO, IA 50701-2807
Document Number	2007024624
Instrument Date	May 18, 2007
Instrument	2007024624
Transaction Type	Transfer
Record Updated	Feb 10, 2022
Title Company	BLACK HAWK COUNTY ABSTRACT C

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$186.40
Amount Accuracy	Rounded by County
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1845 W 3RD ST, WATERLOO, IA 50701-2807

Mortgage

Document Number	2007024625
Date	May 21, 2007
Instrument	2007024625

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	DALLAS, TX 75202

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2037

August 2005: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	BLACK HAWK IA
Recording Date	Aug 18, 2005
Property Address	1845 W 3RD ST, WATERLOO, IA 50701-2807
Document Number	2006004603
Instrument Date	Aug 12, 2005
Instrument	2006004603
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$141.60
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1845 W 3RD ST, WATERLOO, IA 50701-2807

Mortgage

Document Number	2006004604
Date	Aug 18, 2005
Instrument	2006004604

Lender

Name	COUNTRYWIDE HOME LOANS INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2035

Mortgage

Document Number	2006004605
Date	Aug 18, 2005
Instrument	2006004605

Lender

Name	COUNTRYWIDE BANK
Address	ALEXANDRIA, VA 22314

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 1845 W 3rd St was $2,536 with a homeowner's exemption, up 4.8% 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	$2,536.00 (+4.79%) Homeowner's exemption	$135,180 Land $20,160 Building $115,020	$135,180 Land $20,160 Building $115,020
2024	$2,420.00
2023		$121,790 (+11.73%) Land $20,160 Building $101,630	$121,790 Land $20,160 Building $101,630
2022	$2,198.00 Homeowner's exemption	$109,000 Land $20,160 Building $88,840
2021			$109,000 Land $20,160 Building $88,840

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

Flood

FEMA maps place 1845 W 3rd St in Zone X, an area of minimal flood risk.

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

The area around 1845 W 3rd 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 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.

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