2523 W 3rd St, Waterloo, IA 50701 Property Records

Black Hawk County property record for 2523 W 3rd St, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 728 sqft · built 1924
Lot Size	0.192 acres (8,360 sqft)
Owner	2 Individual Names on Record
Last Sale	$37,000 (Feb 2007)
Tax Bill	$1,922 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Oct 2019 Sale & Mortgage
Flood Zone	Zone X (reduced by levee)
APN	`8913-27-352-036`

Property Details

APN / Parcel Number

Primary APN	`8913-27-352-036`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	728 sqft Living Area
1st Floor Area	728 sqft
Basement Area	728 sqft
Unfinished Basement	728 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1924
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,360 sqft (0.192 acres)
Lot Dimensions	95 ft deep x 176 ft wide
Porch	Porch
Porch Area	240 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	2523 W 3RD ST
City	WATERLOO
State	IA
Zip	50701-2401
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEWIS MILLERS SMALL FARMS LOT 14 AND VAC ALLEY ADJ ON SE OF SAID LOT 14
Legal Range	13W
Legal Township	89N
Legal Section	27
Legal Subdivision	LEWIS MILLERS SMALL FARMS
Legal Lot Number	14
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1006
Census Tract	1400

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	2 Individual Names on Record
Mailing Address	2523 W 3RD ST, WATERLOO, IA 50701-2401
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage DUPACO COMMUNITY CU
Oct 1, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 13, 2007 · Amount on Record
Deed Sale	Feb 13, 2007 · Amount on Record
Deed Document Number	200717420
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2523 W 3RD ST, WATERLOO, IA 50701-2401
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100019219
Date	Mar 15, 2021
Instrument	202100019219

Lender

Name	DUPACO COMMUNITY CU
Type	Credit Union
Address	DUBUQUE, IA 52002

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 1, 2019
Property Address	2523 W 3RD ST, WATERLOO, IA 50701-2401
Document Number	202000005961
Instrument Date	Sep 27, 2019
Instrument	202000005961
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2523 W 3RD ST, WATERLOO, IA 50701-2401

Mortgage

Document Number	202000005962
Date	Oct 1, 2019
Instrument	202000005962

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

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	$1,922.00 (-1.64%) Homeowner's exemption	$119,690 (+19.34%) Land $15,010 Building $104,680	$119,690 (+19.34%) Land $15,010 Building $104,680
2024	$1,954.00 (+8.68%)
2023		$100,290 (+22.44%) Land $15,010 Building $85,280	$100,290 (+22.44%) Land $15,010 Building $85,280
2022	$1,798.00	$81,910 Land $15,010 Building $66,900
2021			$81,910 Land $15,010 Building $66,900

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

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

Wildfire Risk	Low lower than 93% of the US · above 40% of Iowa
Wildfire Likelihood	0.03% 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 112 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	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire.

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