2313 W 7th St, Waterloo, IA 50702 Property Records

Black Hawk County property record for 2313 W 7th St, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 955 sqft · built 1949
Lot Size	0.148 acres (6,426 sqft)
Owner	2 Individual Names on File
Last Sale	$119,000 (Sep 2021)
Tax Bill	$2,776 (2025)
Deeds & Mortgages	Feb 2017 Mortgage Sep 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8913-35-410-013`

Property Details

APN / Parcel Number

Primary APN	`8913-35-410-013`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	955 sqft Living Area
1st Floor Area	955 sqft
Basement Area	955 sqft
Finished Basement	250 sqft
Unfinished Basement	955 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,426 sqft (0.148 acres)
Lot Dimensions	119 ft deep x 54 ft wide
Garage Type	Detached
Garage Area	294 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Patio Area	272 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	2313 W 7TH ST
City	WATERLOO
State	IA
Zip	50702-3905
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LINCOLN HEIGHTS ADDITION LOT 9 BLK 8
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	LINCOLN HEIGHTS ADDITION
Legal Block	8
Legal Lot Number	9
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1003
Census Tract	1200

Owner

2313 W 7th St is owned and occupied by two individuals who bought it in September 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	2313 W 7TH ST, WATERLOO, IA 50702-3905
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
Feb 17, 2017	Deed of Trust, Mortgage · Conventional Mortgage IOWA BANKERS MORTGAGE CORP
Sep 10, 2020	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU
Mar 9, 2020	Intrafamily Transfer, Transfer
Jan 30, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2021 · Amount on File
Deed Sale	Sep 10, 2021 · Amount on File
Prior Sale	Sep 10, 2020 · Amount on File
Deed Document Number	20215330
Prior Transfer Date	Nov 17, 2009
Prior Transfer Doc	2010010225
Record Updated	Oct 29, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2313 W 7TH ST, WATERLOO, IA 50702-3905
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	BLACK HAWK COUNTY ABSTRACT, BLACK HAWK COUNTY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700014631
Date	Feb 17, 2017
Instrument	2017-00014631

Lender

Name	IOWA BANKERS MORTGAGE CORP
Type	Mortgage Company
Address	JOHNSTON, IA 50131

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2047

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 10, 2020
Property Address	2313 W 7TH ST, WATERLOO, IA 50702-3905
Document Number	202100005330
Instrument Date	Aug 27, 2020
Instrument	202100005330
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$189.60
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	2313 W 7TH ST, WASHBURN, IA 50702-3905

Mortgage

Document Number	202100005331
Date	Sep 10, 2020
Instrument	202100005331

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Sep 1, 2030
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	6%
Index	1-Year CMT
Max Rate	10%

Mortgage

Document Number	202100005332
Date	Sep 10, 2020
Instrument	202100005332

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	Sep 5, 2030

March 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BLACK HAWK IA
Recording Date	Mar 9, 2020
Property Address	2313 W 7TH ST, WATERLOO, IA 50702-3905
Document Number	202000015439
Instrument Date	Jan 17, 2020
Instrument	202000015439
Transaction Type	Transfer
Record Updated	Nov 17, 2022

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
Relationship	Joint Tenants with Right of Survivorship
Address	2313 W 7TH ST, WATERLOO, IA 50702-3905

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jan 30, 2017
Property Address	2313 W 7TH ST, WATERLOO, IA 50702-3905
Document Number	201700013642
Instrument Date	Jan 25, 2017
Instrument	2017-00013642
Transaction Type	Transfer
Record Updated	Feb 10, 2022

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	2313 W 7TH ST, WATERLOO, IA 50702-3905

Tax Assessment & Valuation

The 2025 property tax bill for 2313 W 7th St was $2,776 with a homeowner's exemption, up 5% 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	$2,776.00 (+4.99%) Homeowner's exemption	$146,890 Land $17,960 Building $128,930	$146,890 Land $17,960 Building $128,930
2024	$2,644.00
2023		$132,060 (+19.61%) Land $17,960 Building $114,100	$132,060 Land $17,960 Building $114,100
2022	$2,230.00 Homeowner's exemption	$110,410 Land $17,960 Building $92,450
2021			$110,410 Land $17,960 Building $92,450

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

Flood

FEMA maps place 2313 W 7th St in Zone X, an area of minimal flood risk, though there have been 14 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 Policies	1 in force
Nearby Flood Claims	14 (1979–2018)
Claims Outside the SFHA	3 of 14
Most Recent Claim	Oct 2018 · 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

Wildfire risk around 2313 W 7th St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 91% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 645 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

May also be available: GigFire, Nextlink, Verizon.

Nearby Properties on W 7th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures