3138 W 4th St, Waterloo, IA 50701 Property Records

Black Hawk County property record for 3138 W 4th St, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,316 sqft · built 1969
Lot Size	0.228 acres (9,940 sqft)
Owner	Company Name on File
Tax Bill	$5,100 (2025)
Deeds & Mortgages	Jul 2020 Line of Credit Jan 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-34-305-010`

Property Details

APN / Parcel Number

Primary APN	`8913-34-305-010`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,316 sqft Living Area
1st Floor Area	1,316 sqft
Basement Area	1,316 sqft
Finished Basement	1,200 sqft
Unfinished Basement	1,316 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,940 sqft (0.228 acres)
Lot Dimensions	142 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	49 sqft
Deck Area	184 sqft
Patio Area	184 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3138 W 4TH ST
City	WATERLOO
State	IA
Zip	50701-4061
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BERKSHIRE GARDENS REPLAT LOT 5
Legal Range	13W
Legal Township	89N
Legal Section	34
Legal Subdivision	BERKSHIRE GARDENS REPLAT
Legal Lot Number	5
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1030
Census Tract	1400

Owner

3138 W 4th St is owned by a company that acquired it in March 2019.

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	Company Name on File
Mailing Address	6 FOSTER DR, DES MOINES, IA 50312-2563
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2020	Deed of Trust, Mortgage · Line of Credit LINCOLN SAVINGS BANK
Jan 14, 2020	Quit Claim Deed, Transfer Quitclaim
Oct 23, 2017	Warranty Deed, Transfer · FHA Mortgage GERSHMAN MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 27, 2019
Transfer Doc	2000012495
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	3138 W 4TH ST, WATERLOO, IA 50701-4061
Transaction Type	Mortgage
Record Updated	Jul 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100001038
Date	Jul 16, 2020
Instrument	202100001038

Lender

Name	LINCOLN SAVINGS BANK
Type	Bank
Address	WATERLOO, IA 50701

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	237 Months
Due	Apr 10, 2040

Interest

Rate Type	Adjustable Rate

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jan 14, 2020
Property Address	3138 W 4TH ST, WATERLOO, IA 50701-4061
Document Number	20202000012495
Instrument Date	Mar 27, 2019
Instrument	20202000012495
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 23, 2017
Property Address	3138 W 4TH ST, WATERLOO, IA 50701-4061
Document Number	201800007197
Instrument Date	Oct 19, 2017
Instrument	2018-00007197
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3138 W 4TH ST, WATERLOO, IA 50701-4061

Mortgage

Document Number	201800007198
Date	Oct 23, 2017
Instrument	2018-00007198

Lender

Name	GERSHMAN MORTGAGE
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 3138 W 4th St was $5,100, up 6.9% 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	$5,100.00 (+6.92%)	$249,850 Land $21,000 Building $228,850	$249,850 Land $21,000 Building $228,850
2024	$4,770.00
2023		$219,890 (+39.08%) Land $21,000 Building $198,890	$219,890 Land $21,000 Building $198,890
2022	$3,472.00	$158,100 Land $21,000 Building $137,100
2021			$158,100 Land $21,000 Building $137,100

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

Flood

FEMA maps place 3138 W 4th St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1979.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	3 (1979–1980)
Most Recent Claim	Jun 1980 · rainfall accumulation

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

Wildfire risk around 3138 W 4th St is low, with less than 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 99.8% of the US · lower than 98.1% of Iowa
Wildfire Likelihood	Under 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.

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 321 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
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130

May also be available: Nextlink, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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