227 E 10th St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 227 E 10th St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 870 sqft · built 1936
Lot Size	0.069 acres (3,000 sqft)
Owner	Individual Name on Record
Last Sale	$70,000 (Jun 2026)
Tax Bill	$870 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Sep 2022 Line of Credit
Flood Zone	Zone X (reduced by levee)
APN	`8913-25-177-005`

Property Details

APN / Parcel Number

Primary APN	`8913-25-177-005`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	870 sqft Living Area
1st Floor Area	870 sqft
Basement Area	870 sqft
Unfinished Basement	870 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1936
Effective Year Built	Effective 1936
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,000 sqft (0.069 acres)
Lot Dimensions	75 ft deep x 40 ft wide
Garage Area	198 sqft
Porch	Porch
Porch Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	227 E 10TH ST
City	WATERLOO
State	IA
Zip	50703-4825
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIGINAL PLAT WATERLOO EAST SE 74 1/2 FT NE 40 FT LOT 1 BLK 19
Legal Range	13W
Legal Township	89N
Legal Section	25
Legal Subdivision	ORIGINAL PLAT WATERLOO EAST
Legal Block	19
Legal Lot Number	1
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1053
Census Tract	700

Owner

Source: Black Hawk County records, as of June 9, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	227 E 10TH ST, WATERLOO, IA 50703-4825
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2026	Warranty Deed, Transfer · Conventional Mortgage CEDAR FALLS COMMUNITY CREDIT UNION
Sep 29, 2022	Deed of Trust, Mortgage · Line of Credit CEDAR FALLS COMMUNITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2026 · Amount on Record
Deed Sale	Jun 1, 2026 · Amount on Record
Prior Sale	Sep 29, 2023 · Amount on Record
Deed Document Number	20267922
Prior Transfer Date	Mar 15, 2005
Prior Transfer Doc	2016000035
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 1, 2026
Property Address	227 E 10TH ST, WATERLOO, IA 50703-4825
Document Number	0000007922
Instrument Date	May 26, 2026
Instrument	20267922
Transaction Type	Transfer
Record Updated	Jun 9, 2026
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$11,231.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	227 E 10TH ST, WATERLOO, IA 50703-4825

Mortgage

Document Number	0000007923,
Date	Jun 1, 2026
Instrument	20267923

Lender

Name	CEDAR FALLS COMMUNITY CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jun 3, 2046

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	227 E 10TH ST, WATERLOO, IA 50703-4825
Transaction Type	Mortgage
Record Updated	Oct 17, 2022
Title Company	TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3007 KNOKE PL, CEDAR FALLS, IA 50613-4734

Mortgage

Document Number	202300005429
Date	Sep 29, 2022
Instrument	202300005429

Lender

Name	CEDAR FALLS COMMUNITY CU
Type	Credit Union
Address	CEDAR FALLS, IA 50613

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Oct 15, 2047

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	$870.00	$43,570 (+8.73%) Land $5,110 Building $38,460	$43,570 (+8.73%) Land $5,110 Building $38,460
2024	$870.00 (+10.97%)
2023		$40,070 (+12.15%) Land $5,110 Building $34,960	$40,070 (+12.15%) Land $5,110 Building $34,960
2022	$784.00	$35,730 Land $5,110 Building $30,620
2021			$35,730 Land $5,110 Building $30,620

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 reduced by levee · depends on levee performance
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (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

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

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

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