305 Midlothian Blvd, Waterloo, IA 50701 Property Records

Black Hawk County property record for 305 Midlothian Blvd, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,714 sqft · built 1948
Lot Size	0.39 acres (17,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$190,000 (May 2016)
Tax Bill	$4,724 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-34-453-017`

Property Details

APN / Parcel Number

Primary APN	`8913-34-453-017`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,714 sqft Living Area
1st Floor Area	1,008 sqft
Basement Area	1,008 sqft
Finished Basement	300 sqft
Game Room	Game Room
Flooring	Vinyl/Resilient
Interior Walls	Plaster

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Exterior Material	Wood Shingle
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,000 sqft (0.39 acres)
Lot Dimensions	170 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	240 sqft
Patio Area	370 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	305 MIDLOTHIAN BLVD
City	WATERLOO
State	IA
Zip	50701-4223
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KENYONS ADDITION LOT 38
Legal Range	13W
Legal Township	89N
Legal Section	34
Legal Subdivision	KENYONS ADDITION
Legal Lot Number	38
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	5
Census Block	5007
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	305 MIDLOTHIAN BLVD, WATERLOO, IA 50701-4223
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2025	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Aug 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2016 · Amount on Record
Deed Sale	May 16, 2016 · Amount on Record
Prior Sale	Sep 3, 2008 · Amount on Record
Deed Document Number	201619368
Last Transfer Date	Feb 11, 2025
Transfer Doc	0202502023
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	305 MIDLOTHIAN BLVD, WATERLOO, IA 50701-4223
Transaction Type	Mortgage
Record Updated	Sep 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 MIDLOTHIAN BLVD, WATERLOO, IA 50701-4223

Mortgage

Document Number	0202513579
Date	Sep 16, 2025
Instrument	2025-13579

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 15, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	305 MIDLOTHIAN BLVD, WATERLOO, IA 50701-4223
Transaction Type	Mortgage
Record Updated	Aug 9, 2022
Title Company	TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100003336
Date	Aug 14, 2020
Instrument	202100003336

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

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	$4,724.00 (+10.12%) Homeowner's exemption	$242,390 (+16.55%) Land $42,400 Building $199,990	$242,390 (+16.55%) Land $42,400 Building $199,990
2024	$4,290.00 (+3.62%)
2023		$207,970 (+10.33%) Land $42,400 Building $165,570	$207,970 (+10.33%) Land $42,400 Building $165,570
2022	$4,140.00	$188,490 Land $42,400 Building $146,090
2021			$188,490 Land $42,400 Building $146,090

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2010 · other causes

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 359 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
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

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