2103 Randolph St, Waterloo, IA 50702 Property Records

Black Hawk County property record for 2103 Randolph St, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 734 sqft · built 1947
Lot Size	0.155 acres (6,750 sqft)
Owner	Individual Name on Record
Last Sale	$100,000 (May 2021)
Tax Bill	$1,946 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-35-280-028`

Property Details

APN / Parcel Number

Primary APN	`8913-35-280-028`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	734 sqft Living Area
1st Floor Area	734 sqft
Basement Area	734 sqft
Finished Basement	350 sqft
Unfinished Basement	734 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,750 sqft (0.155 acres)
Lot Dimensions	150 ft deep x 45 ft wide
Garage Type	Detached
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Deck Area	Deck Area
Patio Area	60 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	2103 RANDOLPH ST
City	WATERLOO
State	IA
Zip	50702-3331
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LIBERTY ADDITION S 40 FT LOT 5 BLK 13 N 5 FT LOT 6 BLK 13
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	LIBERTY ADDITION
Legal Block	13
Legal Lot Number	5,6
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2030
Census Tract	1100

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	2103 RANDOLPH ST, WATERLOO, IA 50702-3331
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 10, 2021 · Amount on Record
Deed Sale	May 10, 2021 · Amount on Record
Prior Sale	Aug 17, 2011 · Amount on Record
Deed Document Number	202123675
Record Updated	Oct 29, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 10, 2021
Property Address	2103 RANDOLPH ST, WATERLOO, IA 50702-3331
Document Number	202100023675
Instrument Date	May 6, 2021
Instrument	202100023675
Transaction Type	Transfer
Record Updated	May 20, 2021
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$159.20
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2103 RANDOLPH ST, WATERLOO, IA 50702-3331

Mortgage

Document Number	202100023676
Date	May 10, 2021
Instrument	202100023676

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Jun 1, 2031
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.87%
Max Rate	9.87%

Mortgage

Document Number	202100023678
Date	May 10, 2021
Instrument	202100023678

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jun 1, 2031

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	$1,946.00 (+1.25%) Homeowner's exemption	$106,260 (+7.55%) Land $16,070 Building $90,190	$106,260 (+7.55%) Land $16,070 Building $90,190
2024	$1,922.00 (+31.28%)
2023		$98,800 (+30.81%) Land $16,070 Building $82,730	$98,800 (+30.81%) Land $16,070 Building $82,730
2022	$1,464.00 Homeowner's exemption	$75,530 Land $16,070 Building $59,460
2021			$75,530 Land $16,070 Building $59,460

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	1 in force
Nearby Flood Claims	5 (1979–2013)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Mar 2013 · tidal / storm surge

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	Low lower than 98% of the US · lower than 82% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 719 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
GigFire Fixed Wireless	150 / 130

May also be available: Nextlink.

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