2135 W 3rd St, Waterloo, IA 50701 Property Records

Black Hawk County property record for 2135 W 3rd St, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,269 sqft · built 1942
Lot Size	0.182 acres (7,930 sqft)
Owner	2 Individual Names on File
Last Sale	$128,000 (Dec 2021)
Tax Bill	$2,868 (2025)
Deeds & Mortgages	Apr 2019 Refinance Dec 2020 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`8913-27-454-001`

Property Details

APN / Parcel Number

Primary APN	`8913-27-454-001`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,269 sqft Living Area
1st Floor Area	940 sqft
Attic	Attic
Attic Area	329 sqft
Basement Area	940 sqft
Finished Basement	325 sqft
Unfinished Basement	940 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1942
Effective Year Built	Effective 1942
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,930 sqft (0.182 acres)
Lot Dimensions	122 ft deep x 65 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	96 sqft
Patio Area	162 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	2135 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 8 BLK 4
Legal Range	13W
Legal Township	89N
Legal Section	27
Legal Subdivision	HOME PARK SECOND ADDITION
Legal Block	4
Legal Lot Number	8
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2012
Census Tract	1400

Owner

2135 W 3rd St is owned and occupied by two individuals who bought it in December 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	2135 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
Apr 4, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance DEFIANCE STATE BANK
Dec 28, 2020	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU
Apr 2, 2019	Warranty Deed, Transfer
Nov 9, 2018	Warranty Deed, Transfer
Nov 8, 2018	Sheriff's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 28, 2021 · Amount on File
Deed Sale	Dec 28, 2021 · Amount on File
Prior Sale	Dec 28, 2020 · Amount on File
Deed Document Number	202113425
Prior Transfer Date	May 28, 2008
Prior Transfer Doc	0000024329
Record Updated	Oct 29, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2135 W 3RD ST, WATERLOO, IA 50701-2905
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900014777
Date	Apr 4, 2019
Instrument	201900014777

Lender

Name	DEFIANCE STATE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	85 Months
Due	May 1, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Dec 28, 2020
Property Address	2135 W 3RD ST, WATERLOO, IA 50701-2905
Document Number	202100013425
Instrument Date	Dec 4, 2020
Instrument	202100013425
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$204.00
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	2135 W 3RD ST, WATERLOO, IA 50701-2905

Mortgage

Document Number	202100013426
Date	Dec 28, 2020
Instrument	202100013426

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 5, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Jan 5, 2031
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	5.37%
Index	1-Year CMT
Max Rate	9.37%

Mortgage

Document Number	202100013427
Date	Dec 28, 2020
Instrument	202100013427

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Jan 5, 2031

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 2, 2019
Property Address	2135 W 3RD ST, WATERLOO, IA 50701-2905
Document Number	201900014616
Instrument Date	Mar 18, 2019
Instrument	201900014616
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount 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	2135 W 3RD ST, WATERLOO, IA 50701-2905

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 9, 2018
Property Address	2135 W 3RD ST, WATERLOO, IA 50701-2905
Document Number	201900007559
Instrument Date	Nov 7, 2018
Instrument	201900007559
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13575 LYNAM DR, OMAHA, NE 68138-4408

November 2018: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 8, 2018
Property Address	2135 W 3RD ST, WATERLOO, IA 50701-2905
Document Number	201900007464
Instrument Date	Oct 31, 2018
Instrument	201900007464
Transaction Type	Foreclosure
Record Updated	Feb 10, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	211 N CENTER ST, LAKE CITY, IA 51449-1703

Tax Assessment & Valuation

The 2025 property tax bill for 2135 W 3rd St was $2,868 with a homeowner's exemption, up 6.3% 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	$2,868.00 (+6.3%) Homeowner's exemption	$151,450 Land $21,840 Building $129,610	$151,450 Land $21,840 Building $129,610
2024	$2,698.00
2023		$134,600 (+15.2%) Land $21,840 Building $112,760	$134,600 Land $21,840 Building $112,760
2022	$2,520.00 Homeowner's exemption	$116,840 Land $21,840 Building $95,000
2021			$116,840 Land $21,840 Building $95,000

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

Flood

FEMA maps place 2135 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 2135 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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