207 Polk St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 207 Polk St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 720 sqft · built 1946
Lot Size	0.143 acres (6,250 sqft)
Owner	Company Name on Record
Last Sale	$76,000 (Dec 2025)
Tax Bill	$1,268 (2025)
Deeds & Mortgages	Dec 2025 Sale & Line of Credit Aug 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8912-30-130-020`

Property Details

APN / Parcel Number

Primary APN	`8912-30-130-020`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	720 sqft Living Area
1st Floor Area	720 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,250 sqft (0.143 acres)
Lot Dimensions	125 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	352 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	24 sqft
Deck Area	140 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	207 POLK ST
City	WATERLOO
State	IA
Zip	50703-4217
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HILLSIDE ADDITION WATERLOO LOT 13 BLK 8
Legal Range	12W
Legal Township	89N
Legal Section	30
Legal Subdivision	HILLSIDE ADDITION WATERLOO
Legal Block	8
Legal Lot Number	13
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	3
Census Block	3009
Census Tract	1900

Owner

Source: Black Hawk County records, as of May 27, 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 Record
Mailing Address	203 RUSTIC HILLS RD, DENVER, IA 50622-9784
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Dec 8, 2025	Warranty Deed, Transfer · Line of Credit CEDAR FALLS COMMUNITY CU
Aug 24, 2018	Deed of Trust, Mortgage CEDAR RAPIDS BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 8, 2025 · Amount on Record
Deed Sale	Dec 8, 2025 · Amount on Record
Prior Sale	Aug 24, 2018 · Amount on Record
Deed Document Number	202517991
Record Updated	Sep 20, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Dec 8, 2025
Property Address	207 POLK ST, WATERLOO, IA 50703-4217
Document Number	0202517991
Instrument Date	Dec 5, 2025
Instrument	2025-17991
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	BLACK HAWK COUNTY ABSTRACT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$120.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 RUSTIC HILLS RD, DENVER, IA 50622-9784

Mortgage

Document Number	0202517992
Date	Dec 8, 2025
Instrument	2025-17992

Lender

Name	CEDAR FALLS COMMUNITY CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Dec 10, 2050

Interest

Change Frequency	Monthly

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	207 POLK ST, WATERLOO, IA 50703-4217
Transaction Type	Mortgage
Record Updated	Nov 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900003241
Date	Aug 24, 2018
Instrument	201900003241

Lender

Name	CEDAR RAPIDS BANK & TRUST

Agreement

Amount	Amount Recorded
Term	353 Months
Due	Jan 1, 2048

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	$1,268.00	$82,710 (+41.41%) Land $5,340 Building $77,370	$82,710 (+41.41%) Land $5,340 Building $77,370
2024	$1,268.00 (+11.42%)
2023		$58,490 (+12.83%) Land $5,340 Building $53,150	$58,490 (+12.83%) Land $5,340 Building $53,150
2022	$1,138.00	$51,840 Land $5,340 Building $46,500
2021			$51,840 Land $5,340 Building $46,500

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 Claims	7 (1979)
Most Recent Claim	Apr 1979 · 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

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 446 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink, Waterloo Fiber.

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