Black Hawk County property record for 314 Edwards St, Waterloo, IA 50703
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,504 sqft · built 1907 |
| Lot Size | 0.14 acres (6,100 sqft) |
| Owner | Individual Name on File |
| Last Sale | $33,000 (May 2010) |
| Tax Bill | $1,340 (2025) |
| Deeds & Mortgages | Aug 2020 Second Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 8913-23-232-009 |
| Primary APN | 8913-23-232-009 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,504 sqft Living Area |
| 1st Floor Area | 644 sqft |
| Basement Area | 644 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1907 |
|---|---|
| Effective Year Built | Effective 1907 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 6,100 sqft (0.14 acres) |
| Lot Dimensions | 122 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 119 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 314 EDWARDS ST |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50703-3632 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CALUMET ADDITION LOT 9 BLK 6 |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 23 |
| Legal Subdivision | CALUMET ADDITION |
| Legal Block | 6 |
| Legal Lot Number | 9 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 2 |
| Census Block | 2027 |
| Census Tract | 500 |
314 Edwards St is owned and occupied by an individual who bought it in May 2010.
Source: Black Hawk County records, as of September 1, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 314 EDWARDS ST, WATERLOO, IA 50703-3632 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 21, 2010 · Amount on File |
| Deed Sale | May 21, 2010 · Amount on File |
| Deed Document Number | 201021808 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 314 EDWARDS ST, WATERLOO, IA 50703-3632 |
| Transaction Type | Mortgage |
| Record Updated | Aug 20, 2020 |
| Name | Verified Name |
|---|
| Document Number | 202100002592 |
|---|---|
| Date | Aug 3, 2020 |
| Instrument | 202100002592 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | WATERLOO, IA 50704 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Aug 10, 2030 |
The 2025 property tax bill for 314 Edwards St was $1,340, up 34.3% 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 | $1,340.00 (+34.27%) | $65,660 Land $6,240 Building $59,420 | $65,660 Land $6,240 Building $59,420 |
| 2024 | $998.00 | ||
| 2023 | $45,970 (+19.84%) Land $6,240 Building $39,730 | $45,970 Land $6,240 Building $39,730 | |
| 2022 | $1,101.00 | $38,360 Land $6,240 Building $32,120 | |
| 2021 | $38,360 Land $6,240 Building $32,120 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 314 Edwards St in Zone X, an area of moderate flood risk, though there have been 10 flood claims nearby since 1998.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 11 policies |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 10 (1998–2016) |
| 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.
The area around 314 Edwards 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.
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 220 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: GigFire, Nextlink.
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