2107 Randolph St, Waterloo, IA 50702 Property Records

Black Hawk County property record for 2107 Randolph St, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,197 sqft · built 1947
Lot Size	0.155 acres (6,750 sqft)
Owner	2 Individual Names on File
Last Sale	$138,000 (Mar 2024)
Tax Bill	$2,754 (2025)
Deeds & Mortgages	Sep 2023 Second Mortgage Sep 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8913-35-280-027`

Property Details

APN / Parcel Number

Primary APN	`8913-35-280-027`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,197 sqft Living Area
1st Floor Area	772 sqft
Attic	Attic
Attic Area	425 sqft
Basement Area	772 sqft
Finished Basement	200 sqft
Unfinished Basement	772 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Exterior Material	Vinyl
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	320 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	16 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	2107 RANDOLPH ST
City	WATERLOO
State	IA
Zip	50702-3331
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LIBERTY ADDITION ALL LOT 6 BLK 13 EXC N 5 FT
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	LIBERTY ADDITION
Legal Block	13
Legal Lot Number	6
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2030
Census Tract	1100

Owner

2107 Randolph St is owned and occupied by two individuals who bought it in March 2024.

Source: Black Hawk County records, as of September 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2107 RANDOLPH ST, WATERLOO, IA 50702-3331
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VERIDIAN CU
Sep 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
Mar 20, 2024	Deed, Transfer · Conventional Mortgage GREENSTATE CU
Apr 23, 2020	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 20, 2024 · Amount on File
Deed Sale	Mar 20, 2024 · Amount on File
Prior Sale	Apr 23, 2020 · Amount on File
Deed Document Number	202411519
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2107 RANDOLPH ST, WATERLOO, IA 50702-3331
Transaction Type	Mortgage
Record Updated	Apr 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2107 RANDOLPH ST, WASHBURN, IA 50702-3331

Mortgage

Document Number	202400003365
Date	Sep 6, 2023
Instrument	202400003365

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	60 Months
Due	Sep 20, 2028

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2107 RANDOLPH ST, WATERLOO, IA 50702-3331
Transaction Type	Mortgage
Record Updated	Apr 17, 2024
Title Company	TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2107 RANDOLPH ST, WASHBURN, IA 50702-3331

Mortgage

Document Number	202200005791
Date	Sep 14, 2021
Instrument	202200005791

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

March 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Mar 20, 2024
Property Address	2107 RANDOLPH ST, WATERLOO, IA 50702-3331
Document Number	202400011519
Instrument Date	Mar 14, 2024
Instrument	202400011519
Transaction Type	Transfer
Record Updated	Oct 17, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$220.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2107 RANDOLPH ST, WATERLOO, IA 50702-3331

Mortgage

Document Number	202400011520
Date	Mar 20, 2024
Instrument	202400011520

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 23, 2020
Property Address	2107 RANDOLPH ST, WATERLOO, IA 50702-3331
Document Number	202000018396
Instrument Date	Apr 14, 2020
Instrument	202000018396
Transaction Type	Transfer
Record Updated	Apr 17, 2024
Title Company	BLACK HAWK CNTY ABSTRACT CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$148.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2107 RANDOLPH ST, WATERLOO, IA 50702-3331

Mortgage

Document Number	202000018397
Date	Apr 23, 2020
Instrument	202000018397

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	May 1, 2030
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6.12%
Index	1-Year LIBOR
Max Rate	10.1%

Mortgage

Document Number	202000018398
Date	Apr 23, 2020
Instrument	202000018398

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	May 1, 2030

Tax Assessment & Valuation

The 2025 property tax bill for 2107 Randolph St was $2,754 with a homeowner's exemption, up 5% from the year before.

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	$2,754.00 (+4.95%) Homeowner's exemption	$145,830 Land $16,070 Building $129,760	$145,830 Land $16,070 Building $129,760
2024	$2,624.00
2023		$131,180 (+34.32%) Land $16,070 Building $115,110	$131,180 Land $16,070 Building $115,110
2022	$1,950.00 Homeowner's exemption	$97,660 Land $16,070 Building $81,590
2021			$97,660 Land $16,070 Building $81,590

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2107 Randolph St in Zone X, an area of minimal flood risk, though there have been 5 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 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

Wildfire risk around 2107 Randolph St is low, with less than a 0.01% annual chance of 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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