Black Hawk County property record for 313 Polk St, Waterloo, IA 50703
| 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 | $55,000 (Mar 2025) |
| Tax Bill | $890 (2025) |
| Deeds & Mortgages | Jul 2025 Line of Credit May 2025 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 8912-30-131-016 |
| Primary APN | 8912-30-131-016 |
|---|
| 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 |
| Finished Basement | 300 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Plaster |
| 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 |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 313 POLK ST |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50703-4309 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HILLSIDE ADDITION WATERLOO LOT 12 BLK 7 |
| Legal Range | 12W |
| Legal Township | 89N |
| Legal Section | 30 |
| Legal Subdivision | HILLSIDE ADDITION WATERLOO |
| Legal Block | 7 |
| Legal Lot Number | 12 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 1900 |
Source: Black Hawk County records · APN 8912-30-131-016
Assessment roll updated October 17, 2025 · Last verified July 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 | 313 POLK ST, WATERLOO, IA 50703-4309 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 02, 2025 | Deed of Trust, Mortgage · Line of Credit VERIDIAN CU |
| May 28, 2025 | Quit Claim Deed, Transfer Quitclaim |
| Mar 20, 2025 | Deed, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 20, 2025 · Amount on Record |
| Deed Sale | Mar 20, 2025 · Amount on Record |
| Deed Document Number | 20253722 |
| Last Transfer Date | May 23, 2025 |
| Transfer Doc | 0202507278 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 313 POLK ST, WATERLOO, IA 50703-4309 |
| Transaction Type | Mortgage |
| Record Updated | Oct 17, 2025 |
| Name | Verified Name |
|---|---|
| Address | 313 POLK ST, WATERLOO, IA 50703-4309 |
| Document Number | 0202509470 |
|---|---|
| Date | Jul 02, 2025 |
| Instrument | 2025-09470 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | PO BOX 6000, WATERLOO, IA 50704 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jul 01, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | May 28, 2025 |
| Property Address | 313 POLK ST, WATERLOO, IA 50703-4309 |
| Document Number | 0202507278 |
| Instrument Date | May 23, 2025 |
| Instrument | 2025-07278 |
| Transaction Type | Transfer |
| Record Updated | Oct 17, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 313 POLK ST, WATERLOO, IA 50703-4309 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Mar 20, 2025 |
| Property Address | 313 POLK ST, WATERLOO, IA 50703-4309 |
| Document Number | 0202503722 |
| Instrument Date | Mar 19, 2025 |
| Instrument | 2025-03722 |
| Transaction Type | Transfer |
| Record Updated | Oct 17, 2025 |
| Amount | Amount Recorded |
|---|---|
| Tax | $87.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 313 POLK ST, WATERLOO, IA 50703-4309 |
Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified July 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 | $890.00 Homeowner's exemption | $72,410 (+41.23%) Land $5,340 Building $67,070 | $72,410 (+41.23%) Land $5,340 Building $67,070 |
| 2024 | $890.00 (-11.71%) | ||
| 2023 | $51,270 Land $5,340 Building $45,930 | $51,270 Land $5,340 Building $45,930 | |
| 2022 | $1,008.00 |
Source: FEMA National Flood Hazard Layer, Black Hawk County (19013C), as of September 27, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 190130019003, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| 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 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.
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.
Source: EPA Safe Drinking Water Information System, water system IA0790074, 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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