Black Hawk County property record for 20 E 5th St, Waterloo, IA 50703 · Last verified June 2026
| Property Type | Commercial > Office > Office Building |
|---|---|
| Year Built | Built 1930 |
| Square Footage | 24,457 sqft Gross Area |
| Lot Size | 35,980 sqft (0.826 acres) |
| Last Sale | $635,000 (2006) |
| Tax Bill | $28,048.00 (2025) |
| Primary APN | 8913-25-109-014 |
|---|
| Units | 21 Units |
|---|---|
| Building Area | 24,457 sqft Gross Area |
| 1st Floor | 8,931 sqft 1st Floor |
| Basement Area | 7,763 sqft Basement |
| Unfinished Basement | 7,763 sqft Unfinished |
| Stories | 3 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fire Sprinklers | The property is equipped with a fire-suppression sprinkler system |
| Elevator | Elevator |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Exterior Material | Brick Exterior |
| Fire Resistance Class | Buildings having wood or wood and steel frames. |
| Roof Material | Roll Composition (rolled Mineral Roof) Roof |
| Lot Area | 35,980 sqft (0.826 acres) |
| Depth X Width | 112 ft x 300 ft Depth x Width |
| Deck Area | 3 sqft Deck |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Street Address | 20 E 5TH ST |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50703-4773 |
| Property Usage | Commercial Property Usage |
| Type | Commercial > Office > Office Building |
| Legal Description | ORIGINAL PLAT WATERLOO EAST PART NW SEC 25 T 89 R 13 ALSO REFERRED TO AS FRAC BLK OPPOSITE BLK 2 OF ORIG PLAT EAST LYING |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 25 |
| Legal Block | 2 |
| Jurisdiction | BLACK HAWK IA |
| Minor Civil Division | WATERLOO |
| Census Blockgroup | 2 |
| Census Block | 2041 |
| Census Tract | 100 |
Source: Black Hawk County records · APN 8913-25-109-014
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 | Company Name on File |
|---|---|
| Mailing Address | 2343 LOGAN AVE, WATERLOO, IA 50703-1009 |
| Owner Type | Owner is a Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Apr 02, 2025 | Deed of Trust, Mortgage · Building or Construction Mortgage FIRST INTERSTATE BANK |
| Aug 14, 2025 | Deed of Trust, Mortgage · Building or Construction Mortgage FIRST INTERSTATE BANK |
| Apr 02, 2025 | Deed of Trust, Mortgage · Building or Construction Mortgage FIRST INTERSTATE BANK |
| Apr 01, 2025 | Deed of Trust, Mortgage · Building or Construction Mortgage FIRST INTERSTATE BANK |
| Mar 30, 2022 | Warranty Deed, Transfer · Stand Alone First Mortgage DENVER SAVINGS BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 05, 2006 · Amount on Record |
| Deed Sale | Sep 05, 2006 · Amount on Record |
| Deed Doc Number | 20062007005489 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 20 E 5TH ST, WATERLOO, IA 50703-4773 |
| Transaction Type | Mortgage |
| Record Updated | Oct 17, 2025 |
| Name | Verified Name |
|---|---|
| Address | 2343 LOGAN AVE, WATERLOO, IA 50703-1009 |
| Document Number | 0202504311 |
|---|---|
| Date | Apr 02, 2025 |
| Instrument | 2025-04311 |
| Name | FIRST INTERSTATE BANK |
|---|---|
| Type | Bank |
| Address | 2936 UNIVERSITY AVE, WATERLOO, IA 50701 |
| Type | Building or Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 20 E 5TH ST, WATERLOO, IA 50703-4773 |
| Transaction Type | Mortgage |
| Record Updated | Oct 17, 2025 |
| Name | Verified Name |
|---|---|
| Address | 2343 LOGAN AVE, WATERLOO, IA 50703-1009 |
| Document Number | 0202511845 |
|---|---|
| Date | Aug 14, 2025 |
| Instrument | 2025-11845 |
| Name | FIRST INTERSTATE BANK |
|---|---|
| Type | Bank |
| Address | 2936 UNIVERSITY AVE, WATERLOO, IA 50701 |
| Type | Building or Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 20 E 5TH ST, WATERLOO, IA 50703-4773 |
| Transaction Type | Mortgage |
| Record Updated | Oct 17, 2025 |
| Name | Verified Name |
|---|---|
| Address | 2343 LOGAN AVE, WATERLOO, IA 50703-1009 |
| Document Number | 0202504348 |
|---|---|
| Date | Apr 02, 2025 |
| Instrument | 2025-04348 |
| Name | FIRST INTERSTATE BANK |
|---|---|
| Type | Bank |
| Address | 2936 UNIVERSITY AVE, WATERLOO, IA 50701 |
| Type | Building or Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 20 E 5TH ST, WATERLOO, IA 50703-4773 |
| Transaction Type | Mortgage |
| Record Updated | Oct 17, 2025 |
| Name | Verified Name |
|---|---|
| Address | 2343 LOGAN AVE, WATERLOO, IA 50703-1009 |
| Document Number | 0202504227 |
|---|---|
| Date | Apr 01, 2025 |
| Instrument | 2025-04227 |
| Name | FIRST INTERSTATE BANK |
|---|---|
| Type | Bank |
| Address | 2936 UNIVERSITY AVE, WATERLOO, IA 50701 |
| Type | Building or Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Mar 30, 2022 |
| Property Address | 20 E 5TH ST, WATERLOO, IA 50703-4773 |
| Document Number | 202200018969 |
| Instrument Date | Mar 25, 2022 |
| Instrument | 202200018969 |
| Transaction Type | Transfer |
| Record Updated | Oct 17, 2025 |
| Title Company | TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $987.20 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 722 WATER ST, WATERLOO, IA 50703-4738 |
| Investor | Possibly a Property Investor |
| Document Number | 202200018970 |
|---|---|
| Date | Mar 30, 2022 |
| Instrument | 202200018970 |
| Name | DENVER SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 25, 2052 |
Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community School District (PK - 12) |
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 | $28,048.00 | $759,530 (-) Land $144,550 Building $614,980 | $759,530 (-) Land $144,550 Building $614,980 |
| 2024 | $28,048.00 (+3%) | ||
| 2023 | $759,530 (+14.97%) Land $144,550 Building $614,980 | $759,530 (+14.97%) Land $144,550 Building $614,980 | |
| 2022 | $21,576.00 | $660,650 Land $82,600 Building $578,050 | |
| 2021 | $660,650 Land $82,600 Building $578,050 |
Source: FEMA National Flood Hazard Layer, Black Hawk County (19013C), updated September 27, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Reduced by levee depends on levee performance |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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