221 Gilbert St, Waterloo (Evansdale), IA 50707 Property Records

Black Hawk County property record for 221 Gilbert St, Waterloo, IA 50707

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,040 sqft · built 2018
Lot Size	0.41 acres (17,850 sqft)
Owner	Individual Name on File
Tax Bill	$6,582 (2025)
Deeds & Mortgages	May 2018 Mortgage Nov 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8912-29-358-028`

Property Details

APN / Parcel Number

Primary APN	`8912-29-358-028`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,040 sqft Living Area
1st Floor Area	2,040 sqft
Basement Area	2,040 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,850 sqft (0.41 acres)
Lot Dimensions	150 ft deep x 119 ft wide
Garage Type	Attached
Garage Area	676 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	72 sqft
Deck Area	144 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	221 GILBERT ST
City	EVANSDALE
State	IA
Zip	50707-2929
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AUDITOR RAINBOWS PLAT MAYWOOD SECOND FILING LOTS 10, 11 & 12 BLK 8 AND ADJ VAC ALLEY
Legal Range	12W
Legal Township	89N
Legal Section	29
Legal Subdivision	AUDITOR RAINBOWS PLAT MAYWOOD
Legal Block	8
Legal Lot Number	10-12
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2000
Census Tract	800

Owner

Source: Black Hawk County assessment roll, as of October 17, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	221 GILBERT ST, EVANSDALE, IA 50707-2929
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 11, 2018	Deed of Trust, Mortgage UNIVERSITY OF IOWA CREDIT UNION
Nov 27, 2018	Deed of Trust, Mortgage UNIVERSITY OF IOWA CREDIT UNION
Sep 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANKIOWA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Sep 20, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	221 GILBERT ST, WATERLOO, IA 50707-2929
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800018424
Date	May 11, 2018
Instrument	201800018424

Lender

Name	UNIVERSITY OF IOWA CREDIT UNION

Agreement

Amount	Amount Recorded

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	221 GILBERT ST, WATERLOO, IA 50707-2929
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900008305
Date	Nov 27, 2018
Instrument	201900008305

Lender

Name	UNIVERSITY OF IOWA CREDIT UNION

Agreement

Amount	Amount Recorded
Term	350 Months
Due	Jan 1, 2048

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	221 GILBERT ST, WATERLOO, IA 50707-2929
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	BLACK HAWK CNTY ABSTRACT CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 GILBERT ST, WATERLOO, IA 50707-2929

Mortgage

Document Number	202100006270
Date	Sep 22, 2020
Instrument	202100006270

Lender

Name	BANKIOWA
Type	Bank
Address	INDEPENDENCE, IA 50644

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

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	$6,582.00 Homeowner's exemption	$344,010 (+6.81%) Land $21,850 Building $322,160	$344,010 (+6.81%) Land $21,850 Building $322,160
2024	$6,582.00 (+33.67%)
2023		$322,070 (+36.2%) Land $21,850 Building $300,220	$322,070 (+36.2%) Land $21,850 Building $300,220
2022	$4,924.00 Homeowner's exemption	$236,460 Land $21,850 Building $214,610
2021			$236,460 Land $21,850 Building $214,610

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

Flood

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 Policies	2 in force
Nearby Flood Claims	5 (1978–2013)
Claims Outside the SFHA	3 of 5
Most Recent Claim	May 2013 · river or lake flooding

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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 136 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Waterloo Telecommunications Utility Fiber	10,000 / 10,000
Metronet Holdings Fiber	5,120 / 5,120
Mediacom Communications Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: LTD Broadband, Lumen Technologies, T-Mobile USA.

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