203 Gilbert St, Waterloo (Evansdale), IA 50707 Property Records

Black Hawk County property record for 203 Gilbert St, Waterloo, IA 50707

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,360 sqft · built 1999
Lot Size	0.355 acres (15,470 sqft)
Owner	Individual Name on Record
Last Sale	$3,500 (May 2018)
Tax Bill	$3,552 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Sep 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`8912-29-358-022`

Property Details

APN / Parcel Number

Primary APN	`8912-29-358-022`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,360 sqft Living Area
1st Floor Area	1,120 sqft
Basement Area	1,120 sqft
Unfinished Basement	1,120 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,470 sqft (0.355 acres)
Lot Dimensions	130 ft deep x 119 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	240 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	203 GILBERT ST
City	EVANSDALE
State	IA
Zip	50707-2929
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AUDITOR RAINBOWS PLAT MAYWOOD SECOND FILING WLOO LOT 13 LOT 14 LOT 15 BLK 8
Legal Range	12W
Legal Township	89N
Legal Section	29
Legal Subdivision	AUDITOR RAINBOWS PLAT MAYWOOD
Legal Block	8
Legal Lot Number	13-15
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2000
Census Tract	800

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	Individual Name on Record
Mailing Address	203 GILBERT ST, EVANSDALE, IA 50707-2929
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2023	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
May 22, 2018	Warranty Deed, Transfer
Dec 21, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 22, 2018 · Amount on Record
Deed Sale	May 22, 2018 · Amount on Record
Prior Sale	Dec 1, 2015 · Amount on Record
Deed Document Number	201819056
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	203 GILBERT ST, WATERLOO, IA 50707-2929
Transaction Type	Mortgage
Record Updated	May 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 GILBERT ST, EVANSDALE, IA 50707-2929

Mortgage

Document Number	202300012610
Date	Mar 17, 2023
Instrument	202300012610

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	203 GILBERT ST, WATERLOO, IA 50707-2929
Transaction Type	Mortgage
Record Updated	Mar 18, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200005779
Date	Sep 14, 2021
Instrument	202200005779

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2036

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	203 GILBERT ST, WATERLOO, IA 50707-2929
Transaction Type	Mortgage
Record Updated	Mar 18, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200004048
Date	Aug 23, 2021
Instrument	202200004048

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2036

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 22, 2018
Property Address	203 GILBERT ST, WATERLOO, IA 50707-2929
Document Number	201800019056
Instrument Date	May 21, 2018
Instrument	201800019056
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 GILBERT ST, EVANSDALE, IA 50707-2929
Investor	Possibly a Property Investor

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Dec 21, 2017
Property Address	203 GILBERT ST, WATERLOO, IA 50707-2929
Document Number	201800010740
Instrument Date	Dec 20, 2017
Instrument	2018-00010740
Transaction Type	Transfer
Record Updated	Mar 18, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 GILBERT ST, WATERLOO, IA 50707-2929

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	$3,552.00 (-7.84%) Homeowner's exemption	$199,510 (+8.11%) Land $20,990 Building $178,520	$199,510 (+8.11%) Land $20,990 Building $178,520
2024	$3,854.00 (+46.65%)
2023		$184,540 (+43.58%) Land $20,990 Building $163,550	$184,540 (+43.58%) Land $20,990 Building $163,550
2022	$2,628.00 Homeowner's exemption	$128,530 Land $20,990 Building $107,540
2021			$128,530 Land $20,990 Building $107,540

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	2 in force
Nearby Flood Claims	5 (1978–2013)
Claims Outside the SFHA	3 of 5
Most Recent Claim	May 2013 · river or lake flooding

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

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 136 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
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink, GigFire, T-Mobile.

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