2127 W 3rd St, Waterloo, IA 50701 Property Records

Black Hawk County property record for 2127 W 3rd St, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,469 sqft · built 1937
Lot Size	0.14 acres (6,100 sqft)
Owner	2 Individual Names on File
Last Sale	$116,000 (Jan 2017)
Tax Bill	$3,150 (2025)
Deeds & Mortgages	Feb 2017 Mortgage Jan 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`8913-27-454-002`

Property Details

APN / Parcel Number

Primary APN	`8913-27-454-002`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,469 sqft Living Area
1st Floor Area	864 sqft
Basement Area	864 sqft
Finished Basement	200 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1937
Effective Year Built	Effective 1937
Exterior Material	Vinyl
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	624 sqft
Parking Spaces	2 Parking Spaces
Deck Area	301 sqft
Patio Area	40 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	2127 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 7 BLK 4
Legal Range	13W
Legal Township	89N
Legal Section	27
Legal Subdivision	HOME PARK SECOND ADDITION
Legal Block	4
Legal Lot Number	7
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2012
Census Tract	1400

Owner

2127 W 3rd St is owned and occupied by two individuals who bought it in January 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	2127 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
Feb 2, 2017	Deed of Trust, Mortgage · FHA Mortgage GERSHMAN INVESTMENT CORP
Jan 26, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 26, 2017 · Amount on File
Deed Sale	Jan 26, 2017 · Amount on File
Deed Document Number	201713513
Record Updated	Oct 29, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2127 W 3RD ST, WATERLOO, IA 50701-2905
Transaction Type	Mortgage
Record Updated	Nov 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700013862
Date	Feb 2, 2017
Instrument	2017-00013862

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company
Address	MISSION, KS 66222

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2047

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jan 26, 2017
Property Address	2127 W 3RD ST, WATERLOO, IA 50701-2905
Document Number	201700013513
Instrument Date	Jan 26, 2017
Instrument	2017-00013513
Transaction Type	Transfer
Record Updated	Nov 22, 2022

Transaction

Amount	Amount on Record
Tax	$184.80
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	2127 W 3RD ST, WATERLOO, IA 50701-2905

Tax Assessment & Valuation

The 2025 property tax bill for 2127 W 3rd St was $3,150 with a homeowner's exemption, up 3.5% 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	$3,150.00 (+3.48%) Homeowner's exemption	$165,210 Land $16,800 Building $148,410	$165,210 Land $16,800 Building $148,410
2024	$3,044.00
2023		$150,570 (+15.05%) Land $16,800 Building $133,770	$150,570 Land $16,800 Building $133,770
2022	$2,680.00 Homeowner's exemption	$130,870 Land $16,800 Building $114,070
2021			$130,870 Land $16,800 Building $114,070

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

Flood

FEMA maps place 2127 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 2127 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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