2012 W 7th St, Waterloo, IA 50702 Property Records

Black Hawk County property record for 2012 W 7th St, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,142 sqft · built 1948
Lot Size	0.146 acres (6,372 sqft)
Owner	Individual Name on File
Last Sale	$140,000 (Jun 2026)
Tax Bill	$2,858 (2025)
Deeds & Mortgages	Jul 2013 Mortgage Aug 2016 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`8913-35-401-009`

Property Details

APN / Parcel Number

Primary APN	`8913-35-401-009`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,142 sqft Living Area
1st Floor Area	846 sqft
Attic	Attic
Attic Area	296 sqft
Basement Area	846 sqft
Unfinished Basement	846 sqft
Flooring	Vinyl/Resilient
Interior Walls	Plaster

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,372 sqft (0.146 acres)
Lot Dimensions	118 ft deep x 54 ft wide
Garage Type	Detached
Garage Area	280 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	2012 W 7TH ST
City	WATERLOO
State	IA
Zip	50702-3355
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LINCOLN HEIGHTS ADDITION LOT 9 BLK 2
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	LINCOLN HEIGHTS ADDITION
Legal Block	2
Legal Lot Number	9
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1004
Census Tract	1200

Owner

Source: Black Hawk County assessment roll, as of October 17, 2025

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	2012 W 7TH ST, WATERLOO, IA 50702-3355
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2013	Deed of Trust, Mortgage VERIDIAN CU
Aug 30, 2016	Deed of Trust, Mortgage VERIDIAN CU
Jun 18, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Aug 12, 2021	Warranty Deed, Transfer · Conventional Mortgage COLLINS COMMUNITY CU
Apr 24, 2017	Warranty Deed, Transfer · Conventional Mortgage BANKIOWA
Apr 6, 2010	Joint Tenancy Deed, Transfer
Apr 6, 2010	Affidavit of Death of Joint Tenant, Transfer · FHA Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 18, 2026 · Amount on Record
Deed Sale	Jun 18, 2026 · Amount on Record
Prior Sale	Aug 12, 2021 · Amount on Record
Deed Document Number	20269075
Prior Transfer Date	Mar 30, 2010
Prior Transfer Doc	2010018516
Record Updated	Sep 20, 2026

July 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2012 W 7TH ST, WATERLOO, IA 50702-3355
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2014001241
Date	Jul 16, 2013
Instrument	2014001241

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Jul 29, 2023

August 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2012 W 7TH ST, WATERLOO, IA 50702-3355
Transaction Type	Mortgage
Record Updated	Jun 29, 2026
Title Company	BLACK HAWK COUNTY ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700004088
Date	Aug 30, 2016
Instrument	2017-00004088

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Amount	Amount Recorded
Term	121 Months
Due	Sep 13, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 18, 2026
Property Address	2012 W 7TH ST, WATERLOO, IA 50702-3355
Document Number	0000009075
Instrument Date	Jun 15, 2026
Instrument	20269075
Transaction Type	Transfer
Record Updated	Jun 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$22,543.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2012 W 7TH ST, WATERLOO, IA 50702-3355

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Aug 12, 2021
Property Address	2012 W 7TH ST, WATERLOO, IA 50702-3355
Document Number	202200003319
Instrument Date	Aug 9, 2021
Instrument	202200003319
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$167.20
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	2012 W 7TH ST, WATERLOO, IA 50702-3355

Mortgage

Document Number	202200003320
Date	Aug 12, 2021
Instrument	202200003320

Lender

Name	COLLINS COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 24, 2017
Property Address	2012 W 7TH ST, WATERLOO, IA 50702-3355
Document Number	201700018445
Instrument Date	Apr 21, 2017
Instrument	2017-00018445
Transaction Type	Transfer
Record Updated	Jun 29, 2026
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	855 LYNKAYLEE DR, WATERLOO, IA 50701-4849

Mortgage

Document Number	201700018446
Date	Apr 24, 2017
Instrument	2017-00018446

Lender

Name	BANKIOWA
Type	Bank
Address	INDEPENDENCE, IA 50644

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2047

April 2010: Joint Tenancy Deed, Transfer

Document Type	Joint Tenancy Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 6, 2010
Property Address	2012 W 7TH ST, WATERLOO, IA 50702-3355
Document Number	2010018517
Instrument Date	Mar 30, 2010
Instrument	2010018517
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Tax	$135.20
Amount Accuracy	Rounded by County
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2012 W 7TH ST

April 2010: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 6, 2010
Property Address	2012 W 7TH ST, WATERLOO, IA 50702-3355
Document Number	2010018516
Instrument Date	Mar 30, 2010
Instrument	2010018516
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2010018518
Date	Apr 6, 2010
Instrument	2010018518

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	CEDAR FALLS, IA 50613

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2040

Tax Assessment & Valuation

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	$2,858.00	$145,020 (+16.16%) Land $17,770 Building $127,250	$145,020 (+16.16%) Land $17,770 Building $127,250
2024	$2,858.00 (+28.05%)
2023		$124,850 (+22.9%) Land $17,770 Building $107,080	$124,850 (+22.9%) Land $17,770 Building $107,080
2022	$2,232.00	$101,590 Land $17,770 Building $83,820
2021			$101,590 Land $17,770 Building $83,820

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

Flood

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	1 in force
Nearby Flood Claims	14 (1979–2018)
Claims Outside the SFHA	3 of 14
Most Recent Claim	Oct 2018 · rainfall accumulation

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

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

Wildfire Risk	Not rated no burnable land within ember reach

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 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

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

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