258 Baltimore St, Waterloo, IA 50701 Property Records

Black Hawk County property record for 258 Baltimore St, Waterloo, IA 50701

Property Summary

Property Type	Duplex
Details	4 bd · 3 ba · 2,378 sqft · built 1902
Lot Size	0.193 acres (8,400 sqft)
Owner	Individual Name on File
Last Sale	$110,000 (Sep 2023)
Tax Bill	$1,554 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Jan 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-26-303-012`

Property Details

APN / Parcel Number

Primary APN	`8913-26-303-012`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	2,378 sqft Total Area
1st Floor Area	1,189 sqft
Basement Area	1,189 sqft
Unfinished Basement	1,189 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1902
Effective Year Built	Effective 1902
Architectural Style	Duplex Single
Exterior Material	Brick
Construction Type	Brick
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	864 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	346 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	258 BALTIMORE ST
City	WATERLOO
State	IA
Zip	50701-2624
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	WHITNEY AND SEDGWICKS ADDITION LOT 2 BLK 9
Legal Range	13W
Legal Township	89N
Legal Section	26
Legal Subdivision	WHITNEY AND SEDGWICKS ADDITION
Legal Block	9
Legal Lot Number	2
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1010
Census Tract	300

Owner

258 Baltimore St, a duplex, is owned and occupied by an individual who bought it in September 2023.

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

Owner of Record	Individual Name on File
Mailing Address	258 BALTIMORE ST, WATERLOO, IA 50701-2624
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 12, 2022	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Jan 7, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance VERIDIAN CREDIT UNION
Jan 7, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance VERIDIAN CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 12, 2023 · Amount on File
Deed Sale	Sep 12, 2023 · Amount on File
Prior Sale	Sep 12, 2022 · Amount on File
Deed Document Number	20234279
Record Updated	Oct 29, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 12, 2022
Property Address	258 BALTIMORE ST, WATERLOO, IA 50701-2624
Document Number	202300004279
Instrument Date	Sep 9, 2022
Instrument	202300004279
Transaction Type	Transfer
Record Updated	Sep 28, 2022
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$175.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	258 BALTIMORE ST # 260, 260, WATERLOO, IA 50701-2624

Mortgage

Document Number	202300004280
Date	Sep 12, 2022
Instrument	202300004280

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Oct 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6.37%
Index	1-Year CMT
Max Rate	10.3%

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	258 BALTIMORE ST, WATERLOO, IA 50701-2624
Transaction Type	Mortgage
Record Updated	Feb 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900010618
Date	Jan 7, 2019
Instrument	201900010618

Lender

Name	VERIDIAN CREDIT UNION

Agreement

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

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	258 BALTIMORE ST, WATERLOO, IA 50701-2624
Transaction Type	Mortgage
Record Updated	Feb 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900010617
Date	Jan 7, 2019
Instrument	201900010617

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 258 Baltimore St was $1,554 with a homeowner's exemption, up 9.9% 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	$1,554.00 (+9.9%) Homeowner's exemption	$87,010 Land $9,000 Building $78,010	$87,010 Land $9,000 Building $78,010
2024	$1,414.00
2023		$75,450 (+24.61%) Land $9,000 Building $66,450	$75,450 Land $9,000 Building $66,450
2022	$1,134.00 Homeowner's exemption	$60,550 Land $9,000 Building $51,550
2021			$60,550 Land $9,000 Building $51,550

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

Flood

FEMA maps place 258 Baltimore St in Zone X, an area of minimal flood risk.

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

The area around 258 Baltimore 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 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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