2222 W 3rd St, Waterloo, IA 50701 Property Records

Black Hawk County property record for 2222 W 3rd St, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 854 sqft · built 1929
Lot Size	0.132 acres (5,750 sqft)
Owner	Company Name on File
Last Sale	$132,500 (Jul 2025)
Tax Bill	$2,124 (2025)
Deeds & Mortgages	Mar 2017 Line of Credit Aug 2020 Second Mortgage + 11 more
Flood Zone	Zone X (minimal risk)
APN	`8913-27-378-012`

Property Details

APN / Parcel Number

Primary APN	`8913-27-378-012`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	854 sqft Living Area
1st Floor Area	854 sqft
Basement Area	854 sqft
Finished Basement	350 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1929
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,750 sqft (0.132 acres)
Lot Dimensions	115 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	80 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	2222 W 3RD ST
City	WATERLOO
State	IA
Zip	50701-3702
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOODLAWN LOT 10 BLK 1
Legal Range	13W
Legal Township	89N
Legal Section	27
Legal Subdivision	WOODLAWN
Legal Block	1
Legal Lot Number	10
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1003
Census Tract	1400

Owner

2222 W 3rd St is owned by a company that bought it in July 2025 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	PO BOX 231, DIKE, IA 50624-0231
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Limited Liability Partnership

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
Mar 9, 2017	Deed of Trust, Mortgage · Line of Credit VERIDIAN CREDIT UNION
Aug 19, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage GREENSTATE CU
Jan 28, 2015	Deed of Trust, Mortgage · Conventional Mortgage UNIVERSITY OF IOWA COMMUNITY CU
Mar 1, 2011	Deed of Trust, Mortgage VERIDIAN CU
Jun 22, 2010	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Mar 9, 2017	Deed of Trust, Mortgage · Line of Credit VERIDIAN CREDIT UNION
Jul 31, 2025	Warranty Deed, Transfer · Line of Credit CEDAR FALLS COMMUNITY CU
Jul 13, 2022	Intrafamily Transfer, Transfer
Feb 28, 2017	Warranty Deed, Transfer
Jan 28, 2015	Quit Claim Deed, Transfer Quitclaim
Dec 27, 2013	Warranty Deed, Transfer · Closed-End Mortgage UNIVERSITY OF IOWA COMMUNITY CU
Nov 16, 2009	Intrafamily Transfer, Transfer
Mar 15, 2006	Joint Tenancy Deed, Transfer · Conventional Mortgage COMMUNITY NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 31, 2025 · Amount on File
Deed Sale	Jul 31, 2025 · Amount on File
Prior Sale	Feb 28, 2017 · Amount on File
Deed Document Number	202511027
Prior Transfer Date	Feb 27, 2006
Prior Transfer Doc	0200622346
Record Updated	Oct 29, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2222 W 3RD ST, WATERLOO, IA 50701-3702
Transaction Type	Mortgage
Record Updated	Jun 12, 2026
Title Company	BLACK HAWK COUNTY ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700015665
Date	Mar 9, 2017
Instrument	2017-00015665

Lender

Name	VERIDIAN CREDIT UNION
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Mar 10, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2222 W 3RD ST, WATERLOO, IA 50701-3702
Transaction Type	Mortgage
Record Updated	Jun 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100003675
Date	Aug 19, 2020
Instrument	202100003675

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	120 Months
Due	Aug 15, 2030

January 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2222 W 3RD ST, WATERLOO, IA 50701-3702
Transaction Type	Mortgage
Record Updated	Jun 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201500012117
Date	Jan 28, 2015
Instrument	201500012117

Lender

Name	UNIVERSITY OF IOWA COMMUNITY CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Feb 5, 2030

March 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2222 W 3RD ST, WATERLOO, IA 50701-3702
Transaction Type	Mortgage
Record Updated	Jun 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2011017068
Date	Mar 1, 2011
Instrument	2011017068

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Amount	Amount on Record
Term	120 Months
Due	Mar 15, 2021

June 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2222 W 3RD ST, WATERLOO, IA 50701-3702
Transaction Type	Mortgage
Record Updated	Jun 12, 2026
Title Company	BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK COUNTY ABSTRACT &

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2010024087
Date	Jun 22, 2010
Instrument	2010024087

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2040

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2222 W 3RD ST, WATERLOO, IA 50701-3702
Transaction Type	Mortgage
Record Updated	Oct 17, 2025
Title Company	BLACK HAWK COUNTY ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700015665
Date	Mar 9, 2017
Instrument	2017-00015665

Lender

Name	VERIDIAN CREDIT UNION
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Mar 10, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jul 31, 2025
Property Address	2222 W 3RD ST, WATERLOO, IA 50701-3702
Document Number	0202511027
Instrument Date	Jul 29, 2025
Instrument	2025-11027
Transaction Type	Transfer
Record Updated	Jun 12, 2026
Title Company	SETTLEMENT SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$211.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 231, DIKE, IA 50624-0231

Mortgage

Document Number	0202511028
Date	Jul 31, 2025
Instrument	2025-11028

Lender

Name	CEDAR FALLS COMMUNITY CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Aug 10, 2050

Interest

Change Frequency	Monthly

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BLACK HAWK IA
Recording Date	Jul 13, 2022
Property Address	2222 W 3RD ST, WATERLOO, IA 50701-3702
Document Number	202300000708
Instrument Date	Jul 12, 2022
Instrument	202300000708
Transaction Type	Transfer
Record Updated	Jun 12, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2222 W 3RD ST, WATERLOO, IA 50701-3702

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Feb 28, 2017
Property Address	2222 W 3RD ST, WATERLOO, IA 50701-3702
Document Number	201700015195
Instrument Date	Feb 28, 2017
Instrument	2017-00015195
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount on Record
Tax	$156.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2222 W 3RD ST, WATERLOO, IA 50701-3702

January 2015: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jan 28, 2015
Property Address	2222 W 3RD ST, WATERLOO, IA 50701-3702
Document Number	201500012115
Instrument Date	Jan 16, 2015
Instrument	201500012115
Transaction Type	Transfer
Record Updated	Jun 12, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2222 W 3RD ST, WATERLOO, IA 50701-3702

December 2013: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Dec 27, 2013
Property Address	2222 W 3RD ST, WATERLOO, IA 50701-3702
Document Number	2014012842
Instrument Date	Dec 20, 2013
Instrument	2014012842
Transaction Type	Transfer
Record Updated	Jun 12, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$152.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2222 W 3RD ST, WATERLOO, IA 50701-3702

Mortgage

Document Number	2014012843
Date	Dec 27, 2013
Instrument	2014012843

Lender

Name	UNIVERSITY OF IOWA COMMUNITY CU
Type	Credit Union

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 5, 2044

Interest

Rate Type	Fixed Rate
Rate	3.62%
Type Change Date	Jan 5, 2019
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	2014012844
Date	Dec 27, 2013
Instrument	2014012844

Lender

Name	UNIVERSITY OF IOWA COMMUNITY CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	61 Months
Due	Jan 5, 2019

Interest

Rate Type	Fixed Rate

November 2009: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 16, 2009
Property Address	2222 W 3RD ST, WATERLOO, IA 50701-3702
Document Number	2010009978
Instrument Date	Nov 13, 2009
Instrument	2010009978
Transaction Type	Transfer
Record Updated	Jun 12, 2026

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	2222 W 3RD ST

March 2006: Joint Tenancy Deed, Transfer

Document Type	Joint Tenancy Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Mar 15, 2006
Property Address	2222 W 3RD ST, WATERLOO, IA 50701-3702
Document Number	0200622346
Instrument Date	Feb 27, 2006
Instrument	200622346
Transaction Type	Transfer
Record Updated	Jun 12, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$138.40
Amount Accuracy	Rounded by County
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2222 W 3RD ST, WATERLOO, IA 50701-3702

Mortgage

Document Number	0200622347
Date	Mar 15, 2006
Instrument	200622347

Lender

Name	COMMUNITY NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 2222 W 3rd St was $2,124 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	$2,124.00 (+5.25%) Homeowner's exemption	$114,950 Land $16,450 Building $98,500	$114,950 Land $16,450 Building $98,500
2024	$2,018.00
2023		$103,290 (+12.3%) Land $16,450 Building $86,840	$103,290 Land $16,450 Building $86,840
2022	$1,826.00 Homeowner's exemption	$91,980 Land $16,450 Building $75,530
2021			$91,980 Land $16,450 Building $75,530

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

Flood

FEMA maps place 2222 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 2222 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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