233 Arden St, Waterloo, IA 50701 Property Records

Black Hawk County property record for 233 Arden St, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,798 sqft · built 1925
Lot Size	0.186 acres (8,120 sqft)
Owner	2 Individual Names on File
Last Sale	$138,000 (Oct 2022)
Tax Bill	$3,402 (2025)
Deeds & Mortgages	Sep 2025 Second Mortgage Oct 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-34-229-004`

Property Details

APN / Parcel Number

Primary APN	`8913-34-229-004`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,798 sqft Living Area
1st Floor Area	1,240 sqft
Attic	Attic
Attic Area	558 sqft
Basement Area	1,240 sqft
Unfinished Basement	1,240 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,120 sqft (0.186 acres)
Lot Dimensions	140 ft deep x 58 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Deck Area	196 sqft
Patio Area	196 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	233 ARDEN ST
City	WATERLOO
State	IA
Zip	50701-3019
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KINGBARD HILL ALL LOT 206 EXC E 47 FT LOT 207
Legal Range	13W
Legal Township	89N
Legal Section	34
Legal Subdivision	KINGBARD HILL
Legal Lot Number	206,207
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1016
Census Tract	1400

Owner

233 Arden St is owned and occupied by two individuals who bought it in October 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	233 ARDEN ST, WATERLOO, IA 50701-3019
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
Sep 17, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage COMMUNITY SAVINGS BANK
Oct 12, 2021	Warranty Deed, Transfer · Conventional Mortgage COMMUNITY SAVINGS BANK
Feb 19, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance VERIDIAN CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 12, 2022 · Amount on File
Deed Sale	Oct 12, 2022 · Amount on File
Prior Sale	Oct 12, 2021 · Amount on File
Deed Document Number	20227955
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	233 ARDEN ST, WATERLOO, IA 50701-3019
Transaction Type	Mortgage
Record Updated	Sep 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	233 ARDEN ST, WATERLOO, IA 50701-3019

Mortgage

Document Number	0202513597
Date	Sep 17, 2025
Instrument	2025-13597

Lender

Name	COMMUNITY SAVINGS BANK
Type	Bank
Address	PO BOX 77, EDGEWOOD, IA 52042

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Oct 1, 2035

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 12, 2021
Property Address	233 ARDEN ST, WATERLOO, IA 50701-3019
Document Number	202200007955
Instrument Date	Oct 7, 2021
Instrument	202200007955
Transaction Type	Transfer
Record Updated	Oct 25, 2021
Title Company	TITLE SERVICES GROUP, TITLE SERVICES CORP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$220.00
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	233 ARDEN ST, WATERLOO, IA 50701-3019

Mortgage

Document Number	202200007956
Date	Oct 12, 2021
Instrument	202200007956

Lender

Name	COMMUNITY SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	233 ARDEN ST, WATERLOO, IA 50701-3019
Transaction Type	Mortgage
Record Updated	Mar 21, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900012545
Date	Feb 19, 2019
Instrument	201900012545

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Mar 1, 2029

Tax Assessment & Valuation

The 2025 property tax bill for 233 Arden St was $3,402, down 3.7% 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	$3,402.00 (-3.74%)	$166,650 Land $21,750 Building $144,900	$166,650 Land $21,750 Building $144,900
2024	$3,534.00
2023		$162,910 (+24.36%) Land $21,750 Building $141,160	$162,910 Land $21,750 Building $141,160
2022	$2,878.00 Homeowner's exemption	$131,000 Land $21,750 Building $109,250
2021			$131,000 Land $21,750 Building $109,250

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

Flood

FEMA maps place 233 Arden 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 233 Arden 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 541 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
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink, T-Mobile, Verizon.

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