2020 W 3rd St, Waterloo, IA 50701 Property Records

Black Hawk County property record for 2020 W 3rd St, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,021 sqft · built 1949
Lot Size	0.133 acres (5,800 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,652 (2025)
Deeds & Mortgages	Feb 2018 Mortgage Jan 2019 Refinance
Flood Zone	Zone X (minimal risk)
APN	`8913-27-452-013`

Property Details

APN / Parcel Number

Primary APN	`8913-27-452-013`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,021 sqft Living Area
1st Floor Area	1,021 sqft
Flooring	Carpet

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Exterior Material	Metal
Construction Type	Steel Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	5,800 sqft (0.133 acres)
Lot Dimensions	116 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	72 sqft
Deck Area	300 sqft
Patio Area	300 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	2020 W 3RD ST
City	WATERLOO
State	IA
Zip	50701-2904
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOME PARK SECOND ADDITION LOT 12 BLK 2
Legal Range	13W
Legal Township	89N
Legal Section	27
Legal Subdivision	HOME PARK SECOND ADDITION
Legal Block	2
Legal Lot Number	12
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2010
Census Tract	1400

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	2020 W 3RD ST, WATERLOO, IA 50701-2904
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 15, 2018	Deed of Trust, Mortgage · ARM VERIDIAN CREDIT UNION
Jan 29, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance VERIDIAN CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jan 20, 2006
Transfer Doc	0200618056
Record Updated	Oct 29, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2020 W 3RD ST, WATERLOO, IA 50701-2904
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800013422
Date	Feb 15, 2018
Instrument	201800013422

Lender

Name	VERIDIAN CREDIT UNION
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	359 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.8%
Type Change Date	Mar 1, 2028
Index	Other

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2020 W 3RD ST, WATERLOO, IA 50701-2904
Transaction Type	Mortgage
Record Updated	Feb 19, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900011640
Date	Jan 29, 2019
Instrument	201900011640

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Feb 1, 2044

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	$1,652.00 (+7.55%) Homeowner's exemption	$106,410 (+12.34%) Land $16,450 Building $89,960	$106,410 (+12.34%) Land $16,450 Building $89,960
2024	$1,536.00 (-7.47%)
2023		$94,720 (+12.11%) Land $16,450 Building $78,270	$94,720 (+12.11%) Land $16,450 Building $78,270
2022	$1,660.00 Homeowner's exemption	$84,490 Land $16,450 Building $68,040
2021			$84,490 Land $16,450 Building $68,040

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

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

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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