307 Polk St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 307 Polk St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 720 sqft · built 1950
Lot Size	0.143 acres (6,250 sqft)
Owner	Individual Name on File
Last Sale	$51,000 (Dec 2011)
Tax Bill	$770 (2025)
Deeds & Mortgages	May 2021 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8912-30-131-017`

Property Details

APN / Parcel Number

Primary APN	`8912-30-131-017`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	720 sqft Living Area
1st Floor Area	720 sqft
Basement Area	720 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Asbestos
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,250 sqft (0.143 acres)
Lot Dimensions	125 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	307 POLK ST
City	WATERLOO
State	IA
Zip	50703-4309
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HILLSIDE ADDITION WATERLOO LOT 11 BLK 7
Legal Range	12W
Legal Township	89N
Legal Section	30
Legal Subdivision	HILLSIDE ADDITION WATERLOO
Legal Block	7
Legal Lot Number	11
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	3
Census Block	3008
Census Tract	1900

Owner

Source: Black Hawk County records · APN 8912-30-131-017

Assessment roll updated October 17, 2025 · Last verified June 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 File
Mailing Address	307 POLK ST, WATERLOO, IA 50703-4309
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 29, 2011 · Amount on Record
Deed Sale	Dec 29, 2011 · Amount on Record
Deed Document Number	20112012011853
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	307 POLK ST, WATERLOO, IA 50703-4309
Transaction Type	Mortgage
Record Updated	Jun 09, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100024915
Date	May 25, 2021
Instrument	202100024915

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jun 01, 2031

Tax Assessment & Valuation

Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified June 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$770.00 Homeowner's exemption	$84,290 (+41.88%) Land $5,340 Building $78,950	$84,290 (+41.88%) Land $5,340 Building $78,950
2024	$770.00 (-19.62%)
2023		$59,410 (+13.23%) Land $5,340 Building $54,070	$59,410 (+13.23%) Land $5,340 Building $54,070
2022	$958.00 Homeowner's exemption	$52,470 Land $5,340 Building $47,130
2021			$52,470 Land $5,340 Building $47,130

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 27, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	7 (1979)
Most Recent Claim	Apr 1979 · rainfall accumulation

Wildfire

Wildfire Risk	Low lower than 99.1% of the US · lower than 91% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Waterloo Telecommunications Utility Fiber	10,000 / 10,000
Mediacom Communications Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: AMG Technology Investment Group, LTD Broadband, Metronet Holdings.

Based on FCC filings for 349 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	WATERLOO WATER WORKS serves 69,504 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.