2112 W 3rd St, Waterloo, IA 50701 Property Records

Black Hawk County property record for 2112 W 3rd St, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,045 sqft · built 1941
Lot Size	0.133 acres (5,800 sqft)
Owner	Individual Name on File
Last Sale	$124,000 (Jan 2025)
Tax Bill	$2,284 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-27-451-011`

Property Details

APN / Parcel Number

Primary APN	`8913-27-451-011`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,045 sqft Living Area
1st Floor Area	696 sqft
Attic	Attic
Attic Area	244 sqft
Basement Area	801 sqft
Unfinished Basement	801 sqft
Flooring	Tile
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1941
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,800 sqft (0.133 acres)
Lot Dimensions	116 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	63 sqft
Patio Area	196 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	2112 W 3RD ST
City	WATERLOO
State	IA
Zip	50701-2906
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOME PARK SECOND ADDITION LOT 14 BLK 3
Legal Range	13W
Legal Township	89N
Legal Section	27
Legal Subdivision	HOME PARK SECOND ADDITION
Legal Block	3
Legal Lot Number	14
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2011
Census Tract	1400

Owner

2112 W 3rd St is owned and occupied by an individual who bought it in January 2025.

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

Owner of Record	Individual Name on File
Mailing Address	2112 W 3RD ST, WATERLOO, IA 50701-2906
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
Nov 23, 2022	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Nov 6, 2020	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 21, 2025 · Amount on File
Deed Sale	Jan 21, 2025 · Amount on File
Prior Sale	Jul 10, 2008 · Amount on File
Deed Document Number	2025876
Prior Transfer Date	Jul 7, 2008
Prior Transfer Doc	2009000698
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2112 W 3RD ST, WATERLOO, IA 50701-2906
Transaction Type	Mortgage
Record Updated	Dec 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2112 W 3RD ST, WATERLOO, IA 50701-2906

Mortgage

Document Number	202300008198
Date	Nov 23, 2022
Instrument	202300008198

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Nov 22, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 6, 2020
Property Address	2112 W 3RD ST, WATERLOO, IA 50701-2906
Document Number	202100009890
Instrument Date	Oct 2, 2020
Instrument	202100009890
Transaction Type	Transfer
Record Updated	Feb 11, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$162.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2112 W 3RD ST, WATERLOO, IA 50701-2906

Mortgage

Document Number	202100009891
Date	Nov 6, 2020
Instrument	202100009891

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Oct 5, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Oct 5, 2030
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	5.75%
Index	1-Year CMT
Max Rate	9.75%

Mortgage

Document Number	202100009892
Date	Nov 6, 2020
Instrument	202100009892

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	119 Months
Due	Oct 5, 2030

Tax Assessment & Valuation

The 2025 property tax bill for 2112 W 3rd St was $2,284, down 4.4% 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	$2,284.00 (-4.44%)	$122,810 Land $16,450 Building $106,360	$122,810 Land $16,450 Building $106,360
2024	$2,390.00
2023		$110,200 (+14.54%) Land $16,450 Building $93,750	$110,200 Land $16,450 Building $93,750
2022	$2,114.00	$96,210 Land $16,450 Building $79,760
2021			$96,210 Land $16,450 Building $79,760

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

Flood

FEMA maps place 2112 W 3rd St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 27, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 2112 W 3rd 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.

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 690 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
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink, Verizon.

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