Black Hawk County property record for 307 W Mitchell Ave, Waterloo, IA 50701
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,762 sqft · built 1963 |
| Lot Size | 0.149 acres (6,500 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $310,000 (Nov 2025) |
| Tax Bill | $4,718 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage Jul 2023 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 8913-34-284-006 |
| Primary APN | 8913-34-284-006 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,762 sqft Living Area |
| 1st Floor Area | 1,762 sqft |
| Basement Area | 881 sqft |
| Finished Basement | 525 sqft |
| Unfinished Basement | 881 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1963 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,500 sqft (0.149 acres) |
| Lot Dimensions | 50 ft deep x 130 ft wide |
| Garage Type | Attached |
| Garage Area | 552 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 224 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 307 W MITCHELL AVE |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50701-4137 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PROSPECT PLACE LOT 248 |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 34 |
| Legal Subdivision | PROSPECT PLACE |
| Legal Lot Number | 248 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 4 |
| Census Block | 4018 |
| Census Tract | 1400 |
Source: Black Hawk County records · APN 8913-34-284-006
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 307 W MITCHELL AVE, WATERLOO, IA 50701-4137 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Nov 02, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CEDAR RAPIDS BANK & TRUST CO |
| Jul 17, 2023 | Deed of Trust, Mortgage · Commercial Mortgage GREENSTATE CU |
| Nov 24, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage VERIDIAN CU |
| Nov 24, 2025 | Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU |
| Nov 18, 2025 | Affidavit of Death of Joint Tenant, Transfer |
| Mar 29, 2019 | Executor's Deed, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 24, 2025 · Amount on Record |
| Deed Sale | Nov 24, 2025 · Amount on Record |
| Prior Sale | Mar 29, 2019 · Amount on Record |
| Deed Document Number | 202517270 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 307 W MITCHELL AVE, WATERLOO, IA 50701-4137 |
| Transaction Type | Mortgage |
| Record Updated | Dec 05, 2025 |
| Name | Verified Name |
|---|
| Document Number | 202100009474 |
|---|---|
| Date | Nov 02, 2020 |
| Instrument | 202100009474 |
| Name | CEDAR RAPIDS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | CEDAR RAPIDS, IA 52401 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Oct 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 307 W MITCHELL AVE, WATERLOO, IA 50701-4137 |
| Transaction Type | Mortgage |
| Record Updated | Dec 05, 2025 |
| Name | Verified Name |
|---|---|
| Address | 307 W MITCHELL AVE, WATERLOO, IA 50701-4137 |
| Document Number | 202400000666 |
|---|---|
| Date | Jul 17, 2023 |
| Instrument | 202400000666 |
| Name | GREENSTATE CU |
|---|---|
| Type | Credit Union |
| Address | NORTH LIBERTY, IA 52317 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Jul 15, 2028 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 307 W MITCHELL AVE, WATERLOO, IA 50701-4137 |
| Transaction Type | Mortgage |
| Record Updated | Dec 05, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0202517272 |
|---|---|
| Date | Nov 24, 2025 |
| Instrument | 2025-17272 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | 1827 ANSBOROUGH AVE, WATERLOO, IA 50701 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 85 Months |
| Due | Dec 01, 2032 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Nov 24, 2025 |
| Property Address | 307 W MITCHELL AVE, WATERLOO, IA 50701-4137 |
| Document Number | 0202517270 |
| Instrument Date | Nov 21, 2025 |
| Instrument | 2025-17270 |
| Transaction Type | Transfer |
| Record Updated | Dec 05, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $495.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 307 W MITCHELL AVE, WATERLOO, IA 50701-4137 |
| Investor | Possibly a Property Investor |
| Document Number | 0202517271 |
|---|---|
| Date | Nov 24, 2025 |
| Instrument | 2025-17271 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.12% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Dec 01, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 3.12% |
| Max Rate At Change | 7.12% |
| Index | 1-Year CMT |
| Max Rate | 11.1% |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Nov 18, 2025 |
| Property Address | 307 W MITCHELL AVE, WATERLOO, IA 50701-4137 |
| Document Number | 0202516940 |
| Instrument Date | Nov 18, 2025 |
| Instrument | 2025-16940 |
| Transaction Type | Transfer |
| Record Updated | Dec 03, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Executor's Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Mar 29, 2019 |
| Property Address | 307 W MITCHELL AVE, WATERLOO, IA 50701-4137 |
| Document Number | 201900014437 |
| Instrument Date | Mar 25, 2019 |
| Instrument | 201900014437 |
| Transaction Type | Transfer |
| Record Updated | Dec 03, 2025 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 307 W MITCHELL AVE, WATERLOO, IA 50701-4137 |
Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community School District (PK - 12) |
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 | $4,718.00 Homeowner's exemption | $287,540 (+29.21%) Land $21,060 Building $266,480 | $287,540 (+29.21%) Land $21,060 Building $266,480 |
| 2024 | $4,718.00 (+10.34%) | ||
| 2023 | $222,540 (+14.29%) Land $21,060 Building $201,480 | $222,540 (+14.29%) Land $21,060 Building $201,480 | |
| 2022 | $4,276.00 | $194,720 Land $21,060 Building $173,660 | |
| 2021 | $194,720 Land $21,060 Building $173,660 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| 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 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.
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 |
| Metronet Holdings Fiber | 5,120 / 5,120 |
| Mediacom Communications Cable · Fiber in parts of the area | 1,000 / 50 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: AMG Technology Investment Group, LTD Broadband, T-Mobile USA, Verizon.
Based on FCC filings for 541 locations within half a mile of this property.
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 |
| 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.
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