314 E 1st St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 314 E 1st St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 940 sqft · built 1941
Lot Size	0.122 acres (5,300 sqft)
Owner	Company Name on File
Last Sale	$43,000 (Nov 2013)
Tax Bill	$1,066 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Jun 2025 Line of Credit + 7 more
Flood Zone	Zone X (reduced by levee)
APN	`8913-23-478-016`

Property Details

APN / Parcel Number

Primary APN	`8913-23-478-016`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	940 sqft Living Area
1st Floor Area	940 sqft
Basement Area	940 sqft
Unfinished Basement	940 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1941
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,300 sqft (0.122 acres)
Lot Dimensions	100 ft deep x 53 ft wide
Garage Type	Detached
Garage Area	216 sqft
Parking Spaces	1 Parking Space
Deck Area	126 sqft
Patio Area	44 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	314 E 1ST ST
City	WATERLOO
State	IA
Zip	50703-4604
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIGINAL PLAT WATERLOO EAST NE 53 FT NW 100 FT LOT 6 BLK 32
Legal Range	13W
Legal Township	89N
Legal Section	23
Legal Subdivision	ORIGINAL PLAT WATERLOO EAST
Legal Block	32
Legal Lot Number	6
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1025
Census Tract	100

Owner

314 E 1st St is owned by a company that acquired it in October 2019 and is owner-occupied.

Source: Black Hawk County records, as of September 1, 2026

Owner of Record	Company Name on File
Mailing Address	314 E 1ST ST, WATERLOO, IA 50703-4604
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Limited Liability Partnership

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
Feb 15, 2022	Deed of Trust, Mortgage DEERE EMPLOYEES CU
Jun 11, 2025	Deed of Trust, Mortgage · Line of Credit DEERE EMPLOYEES CU
Apr 27, 2016	Deed of Trust, Mortgage CEDAR FALLS COMMUNITY CU
Dec 15, 2025	Warranty Deed, Transfer · Line of Credit BANK IOWA
Jan 16, 2026	Warranty Deed, Transfer · Line of Credit BANK IOWA
Oct 25, 2019	Quit Claim Deed, Transfer Quitclaim
Oct 24, 2019	Warranty Deed, Transfer
Mar 14, 2018	Quit Claim Deed, Transfer Quitclaim
Nov 6, 2013	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 6, 2013 · Amount on File
Deed Sale	Nov 6, 2013 · Amount on File
Deed Document Number	20132014009817
Last Transfer Date	Oct 19, 2019
Transfer Doc	202000007692
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	314 E 1ST ST, WATERLOO, IA 50703-4604
Transaction Type	Mortgage
Record Updated	Jan 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	202200016573
Date	Feb 15, 2022
Instrument	202200016573

Lender

Name	DEERE EMPLOYEES CU
Type	Credit Union
Address	MOLINE, IL 61266

Agreement

Amount	Amount on Record
Term	61 Months
Due	Mar 20, 2027

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	314 E 1ST ST, WATERLOO, IA 50703-4604
Transaction Type	Mortgage
Record Updated	Jan 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0202508231
Date	Jun 11, 2025
Instrument	2025-08231

Lender

Name	DEERE EMPLOYEES CU
Type	Credit Union
Address	3950 38TH AVE, MOLINE, IL 61265

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jun 25, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	314 E 1ST ST, WATERLOO, IA 50703-4604
Transaction Type	Mortgage
Record Updated	Jan 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201600018061
Date	Apr 27, 2016
Instrument	2016-00018061

Lender

Name	CEDAR FALLS COMMUNITY CU
Type	Credit Union
Address	CEDAR FALLS, IA 50613

Agreement

Amount	Amount on Record
Term	84 Months
Due	Apr 28, 2023

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Dec 15, 2025
Property Address	314 E 1ST ST, WATERLOO, IA 50703-4604
Document Number	0202518349
Instrument Date	Dec 12, 2025
Instrument	2025-18349
Transaction Type	Transfer
Record Updated	Jan 28, 2026
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$192.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 E 1ST ST, WATERLOO, IA 50703-4604

Mortgage

Document Number	0202518594
Date	Dec 18, 2025
Instrument	2025-18594

Lender

Name	BANK IOWA
Type	Bank
Address	230 1ST ST E, INDEPENDENCE, IA 50644

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 12, 2055

Interest

Change Frequency	Monthly

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jan 16, 2026
Property Address	314 E 1ST ST, WATERLOO, IA 50703-4604
Document Number	0202600710
Instrument Date	Dec 12, 2025
Instrument	2026-00710
Transaction Type	Transfer
Record Updated	Jan 30, 2026
Title Company	TITLE SERVICES CORPORATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 E 1ST ST, WATERLOO, IA 50703-4604

Mortgage

Document Number	0202518594
Date	Jan 16, 2026
Instrument	2025-18594

Lender

Name	BANK IOWA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Dec 12, 2055

Interest

Change Frequency	Monthly

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 25, 2019
Property Address	314 E 1ST ST, WATERLOO, IA 50703-4604
Document Number	202000007692
Instrument Date	Oct 19, 2019
Instrument	202000007692
Transaction Type	Transfer
Record Updated	Jan 28, 2026

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
Address	314 E 1ST ST, WATERLOO, IA 50703-4604
Investor	Possibly a Property Investor

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 24, 2019
Property Address	314 E 1ST ST, WATERLOO, IA 50703-4604
Document Number	202000007643
Instrument Date	Dec 10, 2018
Instrument	202000007643
Transaction Type	Transfer
Record Updated	Jan 28, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 E 1ST ST, WATERLOO, IA 50703-4604

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Mar 14, 2018
Property Address	314 E 1ST ST, WATERLOO, IA 50703-4604
Document Number	201800014919
Instrument Date	Mar 9, 2018
Instrument	201800014919
Transaction Type	Transfer
Record Updated	Jan 28, 2026

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
Address	314 E 1ST ST, WATERLOO, IA 50703-4604

November 2013: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 6, 2013
Property Address	314 E 1ST ST, WATERLOO, IA 50703-4604
Document Number	2014009817
Instrument Date	Oct 25, 2002
Instrument	2014009817
Transaction Type	Transfer
Record Updated	Jan 28, 2026

Transaction

Amount	Amount on Record
Tax	$68.00
Amount Accuracy	Rounded by County
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	314 E 1ST ST, WATERLOO, IA 50703-4604

Tax Assessment & Valuation

The 2025 property tax bill for 314 E 1st St was $1,066 with a homeowner's exemption, up 0.9% 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	$1,066.00 (+0.95%) Homeowner's exemption	$63,120 Land $8,160 Building $54,960	$63,120 Land $8,160 Building $54,960
2024	$1,056.00
2023		$57,110 (+21.87%) Land $8,160 Building $48,950	$57,110 Land $8,160 Building $48,950
2022	$834.00 Homeowner's exemption	$46,860 Land $8,160 Building $38,700
2021			$46,860 Land $8,160 Building $38,700

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

Flood

FEMA maps place 314 E 1st St in Zone X, where a levee reduces flood risk, though there have been 4 flood claims nearby since 1993.

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 reduced by levee · depends on levee performance
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	4 (1993–2013)
Claims Outside the SFHA	2 of 4
Most Recent Claim	May 2013 · rainfall accumulation
Claims by Event	Severe Storms & Flooding, Aug 1993 · 2 claims

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

The area around 314 E 1st 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 186 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

Nearby Properties on E 1st St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures