2518 Laurel St, Waterloo, IA 50702 Property Records

Black Hawk County property record for 2518 Laurel St, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,396 sqft · built 1957
Lot Size	0.319 acres (13,906 sqft)
Owner	2 Individual Names on File
Last Sale	$157,000 (Dec 2018)
Tax Bill	$4,202 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8813-03-178-007`

Property Details

APN / Parcel Number

Primary APN	`8813-03-178-007`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,396 sqft Living Area
1st Floor Area	1,396 sqft
Basement Area	1,396 sqft
Finished Basement	450 sqft
Unfinished Basement	1,396 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,906 sqft (0.319 acres)
Lot Dimensions	219 ft deep x 86 ft wide
Garage Type	Attached
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Deck Area	168 sqft
Patio Area	168 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	2518 LAUREL ST
City	WATERLOO
State	IA
Zip	50702-5127
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CRESTVIEW SUBDIVISION LOT 75
Legal Range	13W
Legal Township	88N
Legal Section	03
Legal Subdivision	CRESTVIEW SUBDIVISION
Legal Lot Number	75
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1014
Census Tract	1301

Owner

2518 Laurel St is owned and occupied by two individuals who bought it in December 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	2518 LAUREL ST, WATERLOO, IA 50702-5127
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
Jan 19, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST SECURITY STATE BANK
Dec 14, 2018	Warranty Deed, Transfer · Stand-Alone First Mortgage UNIVERSITY OF IOWA CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 14, 2018 · Amount on File
Deed Sale	Dec 14, 2018 · Amount on File
Prior Sale	Jul 10, 2012 · Amount on File
Deed Document Number	2018201900009233
Prior Transfer Date	Oct 28, 2005
Prior Transfer Doc	2006013176
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2518 LAUREL ST, WATERLOO, IA 50702-5127
Transaction Type	Mortgage
Record Updated	Feb 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200014823
Date	Jan 19, 2022
Instrument	202200014823

Lender

Name	FIRST SECURITY STATE BANK
Type	Bank
Address	CEDAR FALLS, IA 50613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Dec 14, 2018
Property Address	2518 LAUREL ST, WATERLOO, IA 50702-5127
Document Number	201900009233
Instrument Date	Dec 11, 2018
Instrument	201900009233
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2518 LAUREL ST, WATERLOO, IA 50702-5127

Mortgage

Document Number	201900009234
Date	Dec 14, 2018
Instrument	201900009234

Lender

Name	UNIVERSITY OF IOWA CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 2518 Laurel St was $4,202 with a homeowner's exemption, up 0.7% 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	$4,202.00 (+0.72%) Homeowner's exemption	$216,800 Land $28,080 Building $188,720	$216,800 Land $28,080 Building $188,720
2024	$4,172.00
2023		$202,560 (+25.39%) Land $28,080 Building $174,480	$202,560 Land $28,080 Building $174,480
2022	$3,352.00 Homeowner's exemption	$161,540 Land $28,080 Building $133,460
2021			$161,540 Land $28,080 Building $133,460

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

Flood

FEMA maps place 2518 Laurel St in Zone X, an area of minimal flood risk, though there have been 6 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	6 (1979–1990)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Jun 1990 · river or lake flooding

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 2518 Laurel 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 345 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, T-Mobile, Verizon.

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