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

Black Hawk County property record for 208 Gilbert St, Waterloo, IA 50707

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1982
Lot Size	0.178 acres (7,735 sqft)
Owner	Individual Name on Record
Last Sale	$118,163 (Nov 2012)
Tax Bill	$2,640 (2025)
Deeds & Mortgages	Jan 2019 Refinance Jan 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8912-29-359-021`

Property Details

APN / Parcel Number

Primary APN	`8912-29-359-021`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	960 sqft
Basement Area	960 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,735 sqft (0.178 acres)
Lot Dimensions	119 ft deep x 65 ft wide
Garage Type	Detached
Garage Area	792 sqft
Parking Spaces	3 Parking Spaces
Deck Area	132 sqft
Patio Area	132 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	208 GILBERT ST
City	EVANSDALE
State	IA
Zip	50707-2930
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AUDITOR RAINBOWS PLAT MAYWOOD SECOND FILING WATERLOO N 1/2 LOT 22 BLK 21 N 1/2 LOT 23 BLK 21 N 1/2 LOT 24 BLK 21
Legal Range	12W
Legal Township	89N
Legal Section	29
Legal Subdivision	AUDITOR RAINBOWS PLAT MAYWOOD
Legal Block	21
Legal Lot Number	22-24
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	3
Census Block	3041
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	208 GILBERT ST, EVANSDALE, IA 50707-2930
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance UNIVERSITY OF IOWA CREDIT UNION
Jan 28, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance UNIVERSITY OF IOWA CREDIT UNION
Apr 26, 2021	Deed of Trust, Mortgage · Line of Credit GREENSTATE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 29, 2012 · Amount on Record
Deed Sale	Nov 29, 2012 · Amount on Record
Deed Document Number	20122013011000
Record Updated	Oct 29, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	208 GILBERT ST, WATERLOO, IA 50707-2930
Transaction Type	Mortgage
Record Updated	Jul 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900011560
Date	Jan 28, 2019
Instrument	201900011560

Lender

Name	UNIVERSITY OF IOWA CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Feb 1, 2029

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	208 GILBERT ST, WATERLOO, IA 50707-2930
Transaction Type	Mortgage
Record Updated	Jul 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900011561
Date	Jan 28, 2019
Instrument	201900011561

Lender

Name	UNIVERSITY OF IOWA CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	61 Months
Due	Feb 1, 2024

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	208 GILBERT ST, WATERLOO, IA 50707-2930
Transaction Type	Mortgage
Record Updated	Jul 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100022409
Date	Apr 26, 2021
Instrument	202100022409

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Apr 25, 2026

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$2,640.00 (-0.23%) Homeowner's exemption	$140,230 (+6.1%) Land $12,350 Building $127,880	$140,230 (+6.1%) Land $12,350 Building $127,880
2024	$2,646.00 (+29.07%)
2023		$132,170 (+29.31%) Land $12,350 Building $119,820	$132,170 (+29.31%) Land $12,350 Building $119,820
2022	$2,050.00 Homeowner's exemption	$102,210 Land $12,350 Building $89,860
2021			$102,210 Land $12,350 Building $89,860

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	3 in force
Nearby Flood Claims	6 (1993–2018)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Oct 2018 · rainfall accumulation
Claims by Event	Severe Storms & Flooding, Aug 1993 · 3 claims

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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