2207 W 3rd St, Waterloo, IA 50701 Property Records

Black Hawk County property record for 2207 W 3rd St, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,261 sqft · built 1919
Lot Size	0.14 acres (6,100 sqft)
Owner	Individual Name on File
Last Sale	$157,500 (May 2024)
Tax Bill	$2,358 (2025)
Deeds & Mortgages	May 2024 Sale & Mortgage May 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-27-381-006`

Property Details

APN / Parcel Number

Primary APN	`8913-27-381-006`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,261 sqft Living Area
1st Floor Area	875 sqft
Attic	Attic
Attic Area	306 sqft
Basement Area	875 sqft
Finished Basement	375 sqft
Unfinished Basement	875 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1919
Effective Year Built	Effective 1919
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	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	128 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	2207 W 3RD ST
City	WATERLOO
State	IA
Zip	50701-3701
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOODLAWN LOT 2 BLK 6
Legal Range	13W
Legal Township	89N
Legal Section	27
Legal Subdivision	WOODLAWN
Legal Block	6
Legal Lot Number	2
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1004
Census Tract	1400

Owner

2207 W 3rd St is owned and occupied by an individual who bought it in May 2024.

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

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

Owner of Record	Individual Name on File
Mailing Address	2207 W 3RD ST, WATERLOO, IA 50701-3701
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 16, 2024	Warranty Deed, Transfer · Conventional Mortgage FARMERS STATE BANK
May 22, 2023	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Aug 7, 2020	Legal Action/Court Order, Foreclosure · Conventional Mortgage GREENSTATE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 16, 2024 · Amount on File
Deed Sale	May 16, 2024 · Amount on File
Prior Sale	May 22, 2023 · Amount on File
Deed Document Number	202414310
Prior Transfer Date	Feb 19, 2009
Prior Transfer Doc	0000015949
Record Updated	Oct 29, 2026

May 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 16, 2024
Property Address	2207 W 3RD ST, WATERLOO, IA 50701-3701
Document Number	202400014310
Instrument Date	May 1, 2024
Instrument	202400014310
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	$2.51
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2207 W 3RD ST, WATERLOO, IA 50701-3701

Mortgage

Document Number	0202414312
Date	May 16, 2024
Instrument	2024-14312

Lender

Name	FARMERS STATE BANK
Type	Bank

Agreement

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

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 22, 2023
Property Address	2207 W 3RD ST, WATERLOO, IA 50701-3701
Document Number	202300015622
Instrument Date	May 17, 2023
Instrument	202300015622
Transaction Type	Transfer
Record Updated	Jun 6, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$237.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2207 W 3RD ST, WATERLOO, IA 50701-3701

Mortgage

Document Number	202300015623
Date	May 22, 2023
Instrument	202300015623

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

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

August 2020: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	BLACK HAWK IA
Recording Date	Aug 7, 2020
Property Address	2207 W 3RD ST, WATERLOO, IA 50701-3701
Document Number	202100002906
Instrument Date	Aug 6, 2020
Instrument	202100002906
Transaction Type	Foreclosure
Record Updated	Aug 10, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$171.20
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2207 W 3RD ST, WATERLOO, IA 50701-3701

Mortgage

Document Number	202100002907
Date	Aug 7, 2020
Instrument	202100002907

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 5, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	Aug 5, 2030
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	5.62%
Index	1-Year CMT
Max Rate	9.62%

Mortgage

Document Number	202100002908
Date	Aug 7, 2020
Instrument	202100002908

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Aug 5, 2030

Tax Assessment & Valuation

The 2025 property tax bill for 2207 W 3rd St was $2,358 with a homeowner's exemption, up 12.2% 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	$2,358.00 (+12.18%) Homeowner's exemption	$126,390 Land $16,800 Building $109,590	$126,390 Land $16,800 Building $109,590
2024	$2,102.00
2023		$107,080 (+12.14%) Land $16,800 Building $90,280	$107,080 Land $16,800 Building $90,280
2022	$1,902.00 Homeowner's exemption	$95,490 Land $16,800 Building $78,690
2021			$95,490 Land $16,800 Building $78,690

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

Flood

FEMA maps place 2207 W 3rd St in Zone X, an area of minimal flood risk, though there have been 3 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 Claims	3 (1979–1980)
Most Recent Claim	Jun 1980 · rainfall accumulation

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

The area around 2207 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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