1. Home
  2. Iowa
  3. Black Hawk County
  4. Waterloo
  5. Clay St

210 Clay St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 210 Clay St, Waterloo, IA 50703

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,352 sqft · built 2023
Lot Size0.03 acres (1,320 sqft)
OwnerIndividual Name on File
Last Sale$195,000 (Jun 2024)
Tax Bill$1,198 (2024)
Deeds & MortgagesJun 2024 Sale & Line of Credit
Flood ZoneZone X (minimal risk)
APN8913-24-303-021

Property Details

APN / Parcel Number

Primary APN8913-24-303-021

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms3 Rooms
Stories2 Stories
Building Area1,352 sqft Living Area
1st Floor Area676 sqft
Basement Area676 sqft
Unfinished Basement676 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2023
Effective Year BuiltEffective 2023
Exterior MaterialVinyl
Construction TypeFrame
Roof TypeHip
Roof MaterialAsphalt
Lot Area1,320 sqft (0.03 acres)
Lot Dimensions60 ft deep x 22 ft wide
Garage TypeDetached
Garage Area280 sqft
Parking Spaces1 Parking Space
PorchSlab
Porch Area128 sqft
Patio Area32 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC

Location & Zoning

Street Address210 CLAY ST
CityWATERLOO
StateIA
Zip50703-3846
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCOOLEY ADDITION S 22 FT N 44 FT LOT 12 BLK 66
Legal Range13W
Legal Township89N
Legal Section24
Legal SubdivisionCOOLEY ADDITION
Legal Block66
Legal Lot Number12
JurisdictionBLACK HAWK IA
Township / Civil DivisionWATERLOO
Census Block Group2
Census Block2003
Census Tract100

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic DistrictWithin the Walnut Street Historic District
listed 2019 · 90 contributing resources · NRIS 100004414

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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 RecordIndividual Name on File
Mailing Address210 CLAY ST, WATERLOO, IA 50703-3846
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 26, 2024 · Amount on File
Deed SaleJun 26, 2024 · Amount on File
Deed Document Number202416383
Prior Transfer DateNov 30, 2010
Prior Transfer Doc2011011960
Record UpdatedOct 29, 2026

June 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBLACK HAWK IA
Recording DateJun 26, 2024
Property Address210 CLAY ST, WATERLOO, IA 50703-3846
Document Number202400016383
Instrument DateJun 10, 2024
Instrument202400016383
Transaction TypeTransfer
Record UpdatedSep 29, 2025

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$311.20
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address803 W 5TH ST, WATERLOO, IA 50702-2125

Transferred To (Grantee/Buyer)

NameVerified Name
Address210 CLAY ST, WATERLOO, IA 50703-3846

Mortgage

Document Number2024016386
DateJun 26, 2024
Instrument2024-016386
Lender
NameIOWA HEARTLAND HABTAT HUMANITY
TypePrivate Party
Agreement
TypeLine of Credit
AmountAmount on Record
Term180 Months
DueJun 20, 2039

Tax Assessment & Valuation

Source: Black Hawk County assessment roll, as of October 17, 2025

Property Jurisdictions

TypeName
StateIowa
CountyBlack Hawk County
MunicipalityWaterloo City
Unified School DistrictWaterloo Community School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$191,040 (+18,629.41%) Land $1,710 Building $189,330$191,040 (+18,629.41%) Land $1,710 Building $189,330
2024$1,198.00 (+5,345.45%)
2023$1,020 (-) Land $1,020$1,020 (-) Land $1,020
2022$22.00$1,020 Land $1,020
2021$1,020 Land $1,020

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 27, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies8 in force
Nearby Flood Claims2 (1978–1991)
Claims Outside the SFHA1 of 2
Most Recent ClaimMay 1991 · 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 RiskNot 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 SystemWATERLOO WATER WORKS
serves 69,504 people · EPA ID IA0790074
Water SourceGroundwater
Last State InspectionNov 2023
Lead2 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 279 locations within half a mile, as of December 31, 2025

ProviderMax 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

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

Nearby Properties on Clay St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures