2115 W 3rd St, Waterloo, IA 50701 Property Records

Black Hawk County property record for 2115 W 3rd St, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,152 sqft · built 1938
Lot Size	0.14 acres (6,100 sqft)
Owner	Individual Name on File
Last Sale	$102,000 (May 2019)
Tax Bill	$2,360 (2025)
Deeds & Mortgages	May 2019 Mortgage Aug 2021 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`8913-27-454-006`

Property Details

APN / Parcel Number

Primary APN	`8913-27-454-006`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	3 Half Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,152 sqft Living Area
1st Floor Area	774 sqft
Attic	Attic
Attic Area	348 sqft
Basement Area	774 sqft
Finished Basement	300 sqft
Unfinished Basement	774 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,100 sqft (0.14 acres)
Lot Dimensions	122 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	296 sqft
Deck Area	Deck Area
Patio Area	56 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	2115 W 3RD ST
City	WATERLOO
State	IA
Zip	50701-2905
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOME PARK SECOND ADDITION LOT 3 BLK 4
Legal Range	13W
Legal Township	89N
Legal Section	27
Legal Subdivision	HOME PARK SECOND ADDITION
Legal Block	4
Legal Lot Number	3
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2012
Census Tract	1400

Owner

2115 W 3rd St is owned and occupied by an individual who acquired it in November 2022.

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

Owner of Record	Individual Name on File
Mailing Address	2115 W 3RD ST, WATERLOO, IA 50701-2905
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
May 6, 2019	Deed of Trust, Mortgage · Stand-Alone First Mortgage VERIDIAN CREDIT UNION
Aug 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
Dec 8, 2022	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
Feb 13, 2023	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Nov 22, 2022	Intrafamily Transfer, Transfer
May 6, 2019	Warranty Deed, Transfer · ARM VERIDIAN CREDIT UNION
May 21, 2018	Warranty Deed, Transfer VERIDIAN CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2019 · Amount on File
Deed Sale	May 6, 2019 · Amount on File
Prior Sale	May 21, 2018 · Amount on File
Deed Document Number	201916437
Last Transfer Date	Nov 18, 2022
Transfer Doc	0000008137
Record Updated	Oct 29, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2115 W 3RD ST, WATERLOO, IA 50701-2905
Transaction Type	Mortgage
Record Updated	Oct 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900016439
Date	May 6, 2019
Instrument	201900016439

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	121 Months
Due	Jun 1, 2029

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2115 W 3RD ST, WATERLOO, IA 50701-2905
Transaction Type	Mortgage
Record Updated	Mar 3, 2023
Title Company	TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2115 W 3RD ST, WATERLOO, IA 50701-2905

Mortgage

Document Number	202200003191
Date	Aug 11, 2021
Instrument	202200003191

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2036

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2115 W 3RD ST, WATERLOO, IA 50701-2905
Transaction Type	Mortgage
Record Updated	Mar 3, 2023
Title Company	TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2115 W 3RD ST, WATERLOO, IA 50701-2905

Mortgage

Document Number	202300008825
Date	Dec 8, 2022
Instrument	202300008825

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2115 W 3RD ST, WATERLOO, IA 50701-2905
Transaction Type	Mortgage
Record Updated	Mar 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 7115 W 3RD ST, WATERLOO, IA 50701

Mortgage

Document Number	202300011308
Date	Feb 13, 2023
Instrument	202300011308

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Feb 12, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 22, 2022
Property Address	2115 W 3RD ST, WATERLOO, IA 50701-2905
Document Number	202300008137
Instrument Date	Nov 18, 2022
Instrument	202300008137
Transaction Type	Transfer
Record Updated	Mar 3, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2115 W 3RD ST, WATERLOO, IA 50701-2905

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 6, 2019
Property Address	2115 W 3RD ST, WATERLOO, IA 50701-2905
Document Number	201900016437
Instrument Date	May 3, 2019
Instrument	201900016437
Transaction Type	Transfer
Record Updated	Mar 3, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2115 W 3RD ST, WATERLOO, IA 50701-2905

Mortgage

Document Number	201900016438
Date	May 6, 2019
Instrument	201900016438

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	5.1%
Type Change Date	Jun 1, 2029
Index	Other

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 21, 2018
Property Address	2115 W 3RD ST, WATERLOO, IA 50701-2905
Document Number	201800018865
Instrument Date	May 18, 2018
Instrument	201800018865
Transaction Type	Transfer
Record Updated	Mar 3, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	933 PARKWAY CT, CEDAR FALLS, IA 50613-2163

Mortgage

Document Number	201800018866
Date	May 21, 2018
Instrument	201800018866

Lender

Name	VERIDIAN CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount on Record
Term	356 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 2115 W 3rd St was $2,360 with a homeowner's exemption, up 5.3% 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	$2,360.00 (+5.26%) Homeowner's exemption	$126,540 Land $16,800 Building $109,740	$126,540 Land $16,800 Building $109,740
2024	$2,242.00
2023		$113,580 (+15.42%) Land $16,800 Building $96,780	$113,580 Land $16,800 Building $96,780
2022	$1,966.00 Homeowner's exemption	$98,410 Land $16,800 Building $81,610
2021			$98,410 Land $16,800 Building $81,610

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

Flood

FEMA maps place 2115 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 2115 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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