Black Hawk County property record for 309 Belle St, Waterloo, IA 50702
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1.5 ba · 1,394 sqft · built 1957 |
| Lot Size | 0.535 acres (23,296 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $135,000 (Aug 2013) |
| Tax Bill | $3,614 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 8812-07-151-005 |
| Primary APN | 8812-07-151-005 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,394 sqft Living Area |
| 1st Floor Area | 840 sqft |
| Basement Area | 840 sqft |
| Finished Basement | 100 sqft |
| Game Room | Game Room |
| Flooring | Vinyl/Resilient |
| Interior Walls | Plaster |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Exterior Material | Composition/Composite |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 23,296 sqft (0.535 acres) |
| Lot Dimensions | 208 ft deep x 112 ft wide |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 292 sqft |
| Deck Area | Deck Area |
| Patio Area | 166 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 309 BELLE ST |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50702-4606 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CLOSSON SUBDIVISION LOT 18 |
| Legal Range | 12W |
| Legal Township | 88N |
| Legal Section | 07 |
| Legal Subdivision | CLOSSON SUBDIVISION |
| Legal Lot Number | 18 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 2901 |
309 Belle St is owned and occupied by two individuals who bought it in August 2013.
Source: Black Hawk County records, as of September 1, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 309 BELLE ST, WATERLOO, IA 50702-4606 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 9, 2013 · Amount on File |
| Deed Sale | Aug 9, 2013 · Amount on File |
| Deed Document Number | 20132014003128 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 309 Belle St was $3,614 with a homeowner's exemption, down 5.5% from the year before.
Source: Black Hawk County assessment roll, as of October 17, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,614.00 (-5.49%) Homeowner's exemption | $202,600 Land $40,770 Building $161,830 | $202,600 Land $40,770 Building $161,830 |
| 2024 | $3,824.00 | ||
| 2023 | $200,220 (+21.66%) Land $40,770 Building $159,450 | $200,220 Land $40,770 Building $159,450 | |
| 2022 | $3,420.00 Homeowner's exemption | $164,570 Land $40,770 Building $123,800 | |
| 2021 | $164,570 Land $40,770 Building $123,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 309 Belle St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 49 policies |
| Nearby Flood Policies | 49 in force |
| Nearby Flood Claims | 118 (1978–2016) |
| Claims Outside the SFHA | 11 of 118 |
| Most Recent Claim | Sep 2016 · Severe Storms And Flooding |
| Claims by Event |
|
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 risk around 309 Belle St is low, with 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 97% of the US · lower than 76% of Iowa |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 30 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 |
| GigFire Fixed Wireless | 150 / 130 |
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