306 Bates St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 306 Bates St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,030 sqft · built 1981
Lot Size	0.303 acres (13,216 sqft)
Owner	Individual Name on Record
Last Sale	$140,000 (Feb 2026)
Tax Bill	$2,588 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage Jan 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8913-24-404-002`

Property Details

APN / Parcel Number

Primary APN	`8913-24-404-002`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,030 sqft Living Area
1st Floor Area	1,030 sqft
Basement Area	515 sqft
Finished Basement	450 sqft
Unfinished Basement	515 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Split Level
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,216 sqft (0.303 acres)
Lot Dimensions	112 ft deep x 118 ft wide
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	306 BATES ST
City	WATERLOO
State	IA
Zip	50703-2816
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SHILLIAMS 3RD SUBDIVISION LOTS 1 AND 2 BLK 4 EXC N 33 1/3 FT
Legal Range	13W
Legal Township	89N
Legal Section	24
Legal Subdivision	SHILLIAMS 3RD SUBDIVISION
Legal Block	4
Legal Lot Number	1,2
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1067
Census Tract	1800

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	Individual Name on Record
Mailing Address	306 BATES ST, WATERLOO, IA 50703-2816
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 20, 2026	Warranty Deed, Transfer · Conventional Mortgage UNITE CU
Jan 13, 2022	Deed of Trust, Mortgage · Conventional Mortgage GREENSTATE CU
Jul 13, 2017	Deed of Trust, Mortgage · Stand-Alone First Mortgage UNIVERSITY OF IOWA COMMUNITY CU
Jul 13, 2017	Deed of Trust, Mortgage · ARM UNIVERSITY OF IOWA COMMUNITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 20, 2026 · Amount on Record
Deed Sale	Feb 20, 2026 · Amount on Record
Prior Sale	Jan 13, 2022 · Amount on Record
Deed Document Number	20262206
Prior Transfer Date	Dec 29, 2021
Prior Transfer Doc	0000014547
Record Updated	Oct 29, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Feb 20, 2026
Property Address	306 BATES ST, WATERLOO, IA 50703-2816
Document Number	0202602206
Instrument Date	Feb 10, 2026
Instrument	2026-02206
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	TITLE SERVICES

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$223.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	306 BATES ST, WATERLOO, IA 50703-2816

Mortgage

Document Number	0202602207
Date	Feb 20, 2026
Instrument	2026-02207

Lender

Name	UNITE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

Mortgage

Document Number	0202602509
Date	Feb 27, 2026
Instrument	2026-02509

Lender

Name	UNITE CU
Type	Credit Union
Address	403 WASHINGTON ST, CEDAR FALLS, IA 50613

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Feb 13, 2036

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	306 BATES ST, WATERLOO, IA 50703-2816
Transaction Type	Mortgage
Record Updated	Nov 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200014548
Date	Jan 13, 2022
Instrument	202200014548

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 5, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Jan 5, 2032
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	9.37%
Index	1-Year CMT
Max Rate	9.37%

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	306 BATES ST, WATERLOO, IA 50703-2816
Transaction Type	Mortgage
Record Updated	Nov 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800000648
Date	Jul 13, 2017
Instrument	2018-00000648

Lender

Name	UNIVERSITY OF IOWA COMMUNITY CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 5, 2032

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	306 BATES ST, WATERLOO, IA 50703-2816
Transaction Type	Mortgage
Record Updated	Mar 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800000647
Date	Jul 13, 2017
Instrument	2018-00000647

Lender

Name	UNIVERSITY OF IOWA COMMUNITY CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jul 5, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 5, 2027
Change Frequency	Annually
Min Rate At Change	4.87%
Max Rate At Change	6.25%
Index	1-Year CMT
Max Rate	10.2%

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	$2,588.00 (+22.08%)	$126,810 (+29.74%) Land $15,630 Building $111,180	$126,810 (+29.74%) Land $15,630 Building $111,180
2024	$2,120.00 (+23.4%)
2023		$97,740 (+24.99%) Land $15,630 Building $82,110	$97,740 (+24.99%) Land $15,630 Building $82,110
2022	$1,718.00 Homeowner's exemption	$78,200 Land $15,630 Building $62,570
2021			$78,200 Land $15,630 Building $62,570

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

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 99.8% of the US · lower than 98.1% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 261 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
AT&T Fixed Wireless	100 / 20

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

Nearby Properties on Bates St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures