302 Walnut St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 302 Walnut St, Waterloo, IA 50703

Property Summary

Property Type	Duplex
Details	5 bd · 3.5 ba · 3,195 sqft · built 1919
Lot Size	0.143 acres (6,225 sqft)
Owner	2 Individual Names on Record
Last Sale	$75,000 (Oct 2014)
Tax Bill	$2,350 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Nov 2024 Transfer
Flood Zone	Zone X (reduced by levee)
APN	`8913-24-312-001`

Property Details

APN / Parcel Number

Primary APN	`8913-24-312-001`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,195 sqft Total Area
1st Floor Area	1,040 sqft
Basement Area	1,040 sqft
Game Room	Game Room
Flooring	Tile
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1919
Effective Year Built	Effective 1919
Architectural Style	Duplex Single
Exterior Material	Brick
Construction Type	Brick
Roof Type	Hip
Roof Material	Asphalt
Lot Area	6,225 sqft (0.143 acres)
Lot Dimensions	83 ft deep x 75 ft wide
Garage Type	Detached
Garage Area	180 sqft
Porch	Slab
Porch Area	164 sqft
Patio Area	24 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	302 WALNUT ST
City	WATERLOO
State	IA
Zip	50703-3815
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	COOLEY ADDITION NW 1/2 LOT 2 BLK 63 NW 1/2 NE 23 FT LOT 3 BLK 63
Legal Range	13W
Legal Township	89N
Legal Section	24
Legal Subdivision	COOLEY ADDITION
Legal Block	63
Legal Lot Number	2,3
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2011
Census Tract	100

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Walnut Street Historic District listed 2019 · 90 contributing resources · NRIS 100004414

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	302 WALNUT ST, WATERLOO, IA 50703-3815
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2025	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Nov 18, 2024	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2014 · Amount on Record
Deed Sale	Oct 1, 2014 · Amount on Record
Deed Document Number	2014201500005767
Prior Transfer Date	Apr 2, 2007
Prior Transfer Doc	2007022418
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	302 WALNUT ST, WATERLOO, IA 50703-3815
Transaction Type	Mortgage
Record Updated	Sep 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	302 WALNUT ST, WATERLOO, IA 50703-3815

Mortgage

Document Number	0202513177
Date	Sep 9, 2025
Instrument	2025-13177

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	PO BOX 6000, WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 8, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 18, 2024
Property Address	302 WALNUT ST, WATERLOO, IA 50703-3815
Document Number	0202423487
Instrument Date	Oct 18, 2024
Instrument	2024-23487
Transaction Type	Transfer
Record Updated	Oct 17, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	302 WALNUT ST, WATERLOO, IA 50703-3815

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	$2,350.00 (+10.07%)	$115,100 (+34.62%) Land $7,410 Building $107,690	$115,100 (+34.62%) Land $7,410 Building $107,690
2024	$2,135.00 (+4.2%)
2023		$85,500 (+11.05%) Land $7,410 Building $78,090	$85,500 (+11.05%) Land $7,410 Building $78,090
2022	$2,049.00	$76,990 Land $7,410 Building $69,580
2021			$76,990 Land $7,410 Building $69,580

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force
Nearby Flood Claims	2 (1978–1991)
Claims Outside the SFHA	1 of 2
Most Recent Claim	May 1991 · 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

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 279 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: GigFire, Nextlink, T-Mobile.

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