2616 Laurel St, Waterloo, IA 50702 Property Records

Black Hawk County property record for 2616 Laurel St, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,744 sqft · built 1958
Lot Size	0.257 acres (11,200 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,876 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`8813-03-178-010`

Property Details

APN / Parcel Number

Primary APN	`8813-03-178-010`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,744 sqft Living Area
1st Floor Area	1,026 sqft
Basement Area	1,026 sqft
Finished Basement	350 sqft
Unfinished Basement	1,026 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,200 sqft (0.257 acres)
Lot Dimensions	160 ft deep x 70 ft wide
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Deck Area	288 sqft
Patio Area	128 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	2616 LAUREL ST
City	WATERLOO
State	IA
Zip	50702-5129
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CRESTVIEW SUBDIVISION LOT 78
Legal Range	13W
Legal Township	88N
Legal Section	03
Legal Subdivision	CRESTVIEW SUBDIVISION
Legal Lot Number	78
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1014
Census Tract	1301

Owner

2616 Laurel St is owned and occupied by two individuals.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	2616 LAUREL ST, WATERLOO, IA 50702-5129
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2616 LAUREL ST, WATERLOO, IA 50702-5129
Transaction Type	Mortgage
Record Updated	Jul 7, 2023
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2616 LAUREL ST, WATERLOO, IA 50702-5129

Mortgage

Document Number	202300017298
Date	Jun 23, 2023
Instrument	202300017298

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	May 10, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 2616 Laurel St was $3,876 with a homeowner's exemption, up 0.9% 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	$3,876.00 (+0.88%) Homeowner's exemption	$215,440 Land $25,480 Building $189,960	$215,440 Land $25,480 Building $189,960
2024	$3,842.00
2023		$200,990 (+26.04%) Land $25,480 Building $175,510	$200,990 Land $25,480 Building $175,510
2022	$3,308.00 Homeowner's exemption	$159,460 Land $25,480 Building $133,980
2021			$159,460 Land $25,480 Building $133,980

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

Flood

FEMA maps place 2616 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 2616 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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