306 W Mitchell Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 306 W Mitchell Ave, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,125 sqft · built 1957
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on File
Last Sale	$138,000 (May 2020)
Tax Bill	$3,526 (2025)
Deeds & Mortgages	May 2020 Sale & Mortgage Dec 2019 Refinance
Flood Zone	Zone X (minimal risk)
APN	`8913-34-427-006`

Property Details

APN / Parcel Number

Primary APN	`8913-34-427-006`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,125 sqft Living Area
1st Floor Area	1,125 sqft
Basement Area	1,125 sqft
Unfinished Basement	1,125 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	100 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	594 sqft
Parking Spaces	2 Parking Spaces
Patio Area	264 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	306 W MITCHELL AVE
City	WATERLOO
State	IA
Zip	50701-4138
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EVERGREEN HILL ADDITION LOT 6
Legal Range	13W
Legal Township	89N
Legal Section	34
Legal Subdivision	EVERGREEN HILL ADDITION
Legal Lot Number	6
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	5
Census Block	5001
Census Tract	1400

Owner

306 W Mitchell Ave is owned and occupied by an individual who bought it in May 2020.

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

Owner of Record	Individual Name on File
Mailing Address	306 W MITCHELL AVE, WATERLOO, IA 50701-4138
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
May 12, 2020	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Dec 19, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance VERIDIAN CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 12, 2020 · Amount on File
Deed Sale	May 12, 2020 · Amount on File
Prior Sale	Mar 29, 2005 · Amount on File
Deed Document Number	202019662
Prior Transfer Date	Mar 24, 2005
Prior Transfer Doc	2005022126
Record Updated	Oct 29, 2026

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 12, 2020
Property Address	306 W MITCHELL AVE, WATERLOO, IA 50701-4138
Document Number	202000019662
Instrument Date	May 5, 2020
Instrument	202000019662
Transaction Type	Transfer
Record Updated	Feb 10, 2022
Title Company	TITLE SERVICES GROUP, TITLE SERVICES CORP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$220.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	306 W MITCHELL AVE, WATERLOO, IA 50701-4138

Mortgage

Document Number	202000019663
Date	May 12, 2020
Instrument	202000019663

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	306 W MITCHELL AVE, WATERLOO, IA 50701-4138
Transaction Type	Mortgage
Record Updated	Jan 15, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20202000011184
Date	Dec 19, 2019
Instrument	20202000011184

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 306 W Mitchell Ave was $3,526, up 5.2% 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	$3,526.00 (+5.19%)	$172,790 Land $26,400 Building $146,390	$172,790 Land $26,400 Building $146,390
2024	$3,352.00
2023		$147,690 (+9.95%) Land $26,400 Building $121,290	$147,690 Land $26,400 Building $121,290
2022	$2,950.00	$134,320 Land $26,400 Building $107,920
2021			$134,320 Land $26,400 Building $107,920

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

Flood

FEMA maps place 306 W Mitchell Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2010.

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

Wildfire risk around 306 W Mitchell Ave 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 98% of the US · lower than 82% 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 541 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
AT&T Fixed Wireless	100 / 20

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

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