246 Denver St, Waterloo, IA 50701 Property Records

Black Hawk County property record for 246 Denver St, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 816 sqft · built 1941
Lot Size	0.193 acres (8,400 sqft)
Owner	Company Name on Record
Last Sale	$80,000 (Jul 2024)
Tax Bill	$1,098 (2025)
Deeds & Mortgages	Jul 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-26-305-006`

Property Details

APN / Parcel Number

Primary APN	`8913-26-305-006`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	816 sqft Living Area
1st Floor Area	816 sqft
Basement Area	816 sqft
Finished Basement	400 sqft
Unfinished Basement	816 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1941
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	8,400 sqft (0.193 acres)
Lot Dimensions	140 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	246 DENVER ST
City	WATERLOO
State	IA
Zip	50701-2722
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHITNEY AND SEDGWICKS ADDITION LOT 4 BLK 10
Legal Range	13W
Legal Township	89N
Legal Section	26
Legal Subdivision	WHITNEY AND SEDGWICKS ADDITION
Legal Block	10
Legal Lot Number	4
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1017
Census Tract	300

Owner

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

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

Owner of Record	Company Name on Record
Mailing Address	10856 KEY AVE, KELLOGG, IA 50135-8574
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 22, 2024 · Amount on Record
Deed Sale	Jul 22, 2024 · Amount on Record
Prior Sale	Dec 6, 2022 · Amount on Record
Deed Document Number	202417578
Record Updated	Oct 29, 2026

July 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jul 22, 2024
Property Address	246 DENVER ST, WATERLOO, IA 50701-2722
Document Number	0202417578
Instrument Date	Jul 19, 2024
Instrument	2024-17578
Transaction Type	Transfer
Record Updated	Oct 17, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$127.20
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	10856 KEY AVE, KELLOGG, IA 50135-8574
Investor	Possibly a Property Investor

Mortgage

Document Number	0202417579
Date	Jul 22, 2024
Instrument	2024-17579

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	SBA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2031
Change Frequency	Annually
Min Rate At Change	5.25%
Max Rate At Change	9.25%
Index	1-Year CMT
Max Rate	13.2%

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	$1,098.00 (+5.78%)	$53,760 (+12.3%) Land $9,000 Building $44,760	$53,760 (+12.3%) Land $9,000 Building $44,760
2024	$1,038.00 (+21.55%)
2023		$47,870 (+23.22%) Land $9,000 Building $38,870	$47,870 (+23.22%) Land $9,000 Building $38,870
2022	$854.00	$38,850 Land $9,000 Building $29,850
2021			$38,850 Land $9,000 Building $29,850

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 27, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 734 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, T-Mobile, Verizon.

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