313 Denver St, Waterloo, IA 50701 Property Records

Black Hawk County property record for 313 Denver St, Waterloo, IA 50701

Property Summary

Property Type	Duplex
Details	3 bd · 3.5 ba · 1,708 sqft · built 1907
Lot Size	0.129 acres (5,600 sqft)
Owner	Individual Name on File
Last Sale	$71,500 (Dec 2024)
Tax Bill	$1,334 (2025)
Deeds & Mortgages	Apr 2017 Mortgage Dec 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8913-26-306-013`

Property Details

APN / Parcel Number

Primary APN	`8913-26-306-013`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	3 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,708 sqft Total Area
1st Floor Area	804 sqft
Basement Area	804 sqft
Unfinished Basement	804 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1907
Effective Year Built	Effective 1907
Architectural Style	Duplex Single
Exterior Material	Other
Construction Type	Frame
Foundation Type	Block
Roof Type	Hip
Roof Material	Asphalt
Lot Area	5,600 sqft (0.129 acres)
Lot Dimensions	140 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	24 sqft
Patio Area	154 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	313 DENVER ST
City	WATERLOO
State	IA
Zip	50701-2723
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	WHITNEY AND SEDGWICKS ADDITION NW 40 FT LOT 8 BLK 8
Legal Range	13W
Legal Township	89N
Legal Section	26
Legal Subdivision	WHITNEY AND SEDGWICKS ADDITION
Legal Block	8
Legal Lot Number	8
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1019
Census Tract	300

Owner

313 Denver St, a duplex, is owned and occupied by an individual who bought it in December 2024.

Source: Black Hawk County records, as of October 9, 2026

Owner of Record	Individual Name on File
Mailing Address	313 DENVER ST, WATERLOO, IA 50701-2723
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
Apr 12, 2017	Deed of Trust, Mortgage CRESCO BANK & TRUST CO
Dec 22, 2023	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU
Dec 20, 2021	Quit Claim Deed, Transfer Quitclaim
Nov 2, 2021	Warranty Deed, Transfer · Conventional Mortgage FARMERS STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 22, 2024 · Amount on File
Deed Sale	Dec 22, 2024 · Amount on File
Prior Sale	Dec 22, 2023 · Amount on File
Deed Document Number	20248218
Prior Transfer Date	Dec 10, 2021
Prior Transfer Doc	0000012931
Record Updated	Oct 29, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	313 DENVER ST, WATERLOO, IA 50701-2723
Transaction Type	Mortgage
Record Updated	Jan 10, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	201700017817
Date	Apr 12, 2017
Instrument	2017-00017817

Lender

Name	CRESCO BANK & TRUST CO
Type	Bank
Address	CRESCO, IA 52136

Agreement

Amount	Amount on Record

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Dec 22, 2023
Property Address	313 DENVER ST, WATERLOO, IA 50701-2723
Document Number	202400008218
Instrument Date	Dec 8, 2023
Instrument	202400008218
Transaction Type	Transfer
Record Updated	Oct 17, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$113.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	313 DENVER ST, WATERLOO, IA 50701-2723

Mortgage

Document Number	202400008219
Date	Dec 22, 2023
Instrument	202400008219

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2054

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Dec 20, 2021
Property Address	313 DENVER ST, WATERLOO, IA 50701-2723
Document Number	202200012931
Instrument Date	Dec 10, 2021
Instrument	202200012931
Transaction Type	Transfer
Record Updated	Jan 10, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2026 JAMESTOWN AVE, INDEPENDENCE, IA 50644-9211

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 2, 2021
Property Address	313 DENVER ST, WATERLOO, IA 50701-2723
Document Number	202200009431
Instrument Date	Oct 27, 2021
Instrument	202200009431
Transaction Type	Transfer
Record Updated	Jan 10, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$110.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	313 DENVER ST, WATERLOO, IA 50701-2723

Mortgage

Document Number	202200009432
Date	Nov 2, 2021
Instrument	202200009432

Lender

Name	FARMERS STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 313 Denver St was $1,334, up 8.6% 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	$1,334.00 (+8.63%)	$65,410 Land $6,000 Building $59,410	$65,410 Land $6,000 Building $59,410
2024	$1,228.00
2023		$56,610 (+22.82%) Land $6,000 Building $50,610	$56,610 Land $6,000 Building $50,610
2022	$1,012.00	$46,090 Land $6,000 Building $40,090
2021			$46,090 Land $6,000 Building $40,090

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

Flood

FEMA maps place 313 Denver St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 27, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 313 Denver St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 734 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

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

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