Black Hawk County property record for 209 Polk St, Waterloo, IA 50703
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,177 sqft · built 1908 |
| Lot Size | 0.287 acres (12,500 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,574 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 8912-30-130-024 |
| Primary APN | 8912-30-130-024 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,177 sqft Living Area |
| 1st Floor Area | 604 sqft |
| Basement Area | 604 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1908 |
|---|---|
| Effective Year Built | Effective 1908 |
| Exterior Material | Aluminum Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,500 sqft (0.287 acres) |
| Lot Dimensions | 125 ft deep x 100 ft wide |
| Garage Type | Detached |
| Garage Area | 1,176 sqft |
| Parking Spaces | 4 Parking Spaces |
| Patio Area | 180 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 209 POLK ST |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50703-4217 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HILLSIDE ADDITION WATERLOO LOTS 14 AND 15 BLK 8 |
| Legal Range | 12W |
| Legal Township | 89N |
| Legal Section | 30 |
| Legal Subdivision | HILLSIDE ADDITION WATERLOO |
| Legal Block | 8 |
| Legal Lot Number | 14,15 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 1900 |
209 Polk St is owned and occupied by two individuals.
Source: Black Hawk County records, as of September 1, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 209 POLK ST, WATERLOO, IA 50703-4217 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 209 Polk St was $1,574 with a homeowner's exemption, up 35.9% from the year before.
Source: Black Hawk County assessment roll, as of October 17, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,574.00 (+35.92%) Homeowner's exemption | $88,020 Land $9,600 Building $78,420 | $88,020 Land $9,600 Building $78,420 |
| 2024 | $1,158.00 | ||
| 2023 | $63,580 (+15.41%) Land $9,600 Building $53,980 | $63,580 Land $9,600 Building $53,980 | |
| 2022 | $1,014.00 Homeowner's exemption | $55,090 Land $9,600 Building $45,490 | |
| 2021 | $55,090 Land $9,600 Building $45,490 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 209 Polk St in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1979.
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.
The area around 209 Polk St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
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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