314 W Mitchell Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 314 W Mitchell Ave, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,411 sqft · built 1958
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on Record
Last Sale	$238,000 (Jun 2026)
Tax Bill	$4,570 (2025)
Deeds & Mortgages	Apr 2012 Mortgage Jun 2026 Sale & Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`8913-34-427-007`

Property Details

APN / Parcel Number

Primary APN	`8913-34-427-007`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	3 Half Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,411 sqft Living Area
1st Floor Area	1,411 sqft
Basement Area	1,411 sqft
Finished Basement	500 sqft
Unfinished Basement	1,411 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Metal
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	100 ft deep x 75 ft wide
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	169 sqft
Patio Area	256 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	314 W MITCHELL AVE
City	WATERLOO
State	IA
Zip	50701-4138
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EVERGREEN HILL ADDITION LOT 7
Legal Range	13W
Legal Township	89N
Legal Section	34
Legal Subdivision	EVERGREEN HILL ADDITION
Legal Lot Number	7
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	5
Census Block	5001
Census Tract	1400

Owner

Source: Black Hawk County records, as of September 1, 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 Record
Mailing Address	314 W MITCHELL AVE, WATERLOO, IA 50701-4138
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2012	Deed of Trust, Mortgage VERIDIAN CU
Jun 22, 2026	Warranty Deed, Transfer · Conventional Mortgage FREE STATE CREDIT UNION
Jun 22, 2026	Warranty Deed, Transfer · Conventional Mortgage UNION CREDIT UNION
Apr 22, 2024	Deed of Trust, Mortgage · Line of Credit FIRST BANK
Apr 19, 2024	Deed, Transfer · Conventional Mortgage FIRST BANK
Nov 21, 2022	Special Warranty Deed, Transfer · Line of Credit IOWA SECURITIES INVESTMENT CORPORAT
May 9, 2022	Public Action, Foreclosure
Mar 5, 2008	Trustee's Deed, Foreclosure · Conventional Mortgage VERIDIAN CU
May 10, 2006	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 22, 2026 · Amount on Record
Deed Sale	Jun 22, 2026 · Amount on Record
Prior Sale	Apr 19, 2024 · Amount on Record
Deed Document Number	20269182
Prior Transfer Date	Mar 4, 2008
Prior Transfer Doc	2008017191
Record Updated	Oct 29, 2026

April 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	314 W MITCHELL AVE, WATERLOO, IA 50701-4138
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2012019725
Date	Apr 25, 2012
Instrument	2012019725

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Amount	Amount Recorded
Term	121 Months
Due	May 8, 2022

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 22, 2026
Property Address	314 W MITCHELL AVE, WATERLOO, IA 50701-4138
Document Number	0000009182
Instrument Date	Jun 18, 2026
Instrument	20269182
Transaction Type	Transfer
Record Updated	Jun 26, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$38,380.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 W MITCHELL AVE, WATERLOO, IA 50701-4138

Mortgage

Document Number	0000009183,
Date	Jun 22, 2026
Instrument	20269183

Lender

Name	FREE STATE CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 22, 2026
Property Address	314 W MITCHELL AVE, WATERLOO, IA 50701-4138
Document Number	0202609182
Instrument Date	Jun 18, 2026
Instrument	20269182
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$38,380.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 W MITCHELL AVE, WATERLOO, IA 50701-4138

Mortgage

Document Number	0000009183,
Date	Jun 22, 2026
Instrument	20269183

Lender

Name	UNION CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	314 W MITCHELL AVE, WATERLOO, IA 50701-4138
Transaction Type	Mortgage
Record Updated	May 7, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 W MITCHELL AVE, WATERLOO, IA 50701-4138

Mortgage

Document Number	202400013000
Date	Apr 22, 2024
Instrument	2024-00013000

Lender

Name	FIRST BANK
Type	Bank
Address	602 MAIN ST, CEDAR FALLS, IA 50613

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 1, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 19, 2024
Property Address	314 W MITCHELL AVE, WATERLOO, IA 50701-4138
Document Number	202400012887
Instrument Date	Apr 16, 2024
Instrument	202400012887
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$271.20
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 W MITCHELL AVE, WATERLOO, IA 50701-4138

Mortgage

Document Number	202400012888
Date	Apr 19, 2024
Instrument	202400012888

Lender

Name	FIRST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Adjustable	Adjustable Rate Rider
Change Frequency	Annually
Min Rate At Change	6.25%
Max Rate At Change	8.25%
Index	1-Year CMT
Margin	3
Max Rate	12.2%

November 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 21, 2022
Property Address	314 W MITCHELL AVE, WATERLOO, IA 50701-4138
Document Number	202300008053
Instrument Date	Nov 10, 2022
Instrument	202300008053
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Amount	Amount Recorded
Tax	$119.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2308 1ST AVE NW, WAVERLY, IA 50677-2008
Investor	Possibly a Property Investor

Mortgage

Document Number	202300008054
Date	Nov 21, 2022
Instrument	202300008054

Lender

Name	IOWA SECURITIES INVESTMENT CORPORAT
Type	Non-Lending Institution

Agreement

Type	Line of Credit
Amount	Amount Recorded

May 2022: Public Action, Foreclosure

Document Type	Public Action
Jurisdiction	BLACK HAWK IA
Recording Date	May 9, 2022
Property Address	314 W MITCHELL AVE, WATERLOO, IA 50701-4138
Document Number	202200021597
Instrument Date	May 3, 2022
Instrument	202200021597
Transaction Type	Foreclosure
Record Updated	Jun 30, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Tax Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 N 115TH ST STE 100, 100, OMAHA, NE 68154-2507

March 2008: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Mar 5, 2008
Property Address	314 W MITCHELL AVE, WATERLOO, IA 50701-4138
Document Number	2008017191
Instrument Date	Mar 4, 2008
Instrument	2008017191
Transaction Type	Foreclosure
Record Updated	Jun 30, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$223.20
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 W MITCHELL ST

Mortgage

Document Number	2008017192
Date	Mar 5, 2008
Instrument	2008017192

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2023

May 2006: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 10, 2006
Property Address	314 W MITCHELL AVE, WATERLOO, IA 50701-4138
Document Number	2006027013
Instrument Date	May 2, 2006
Instrument	2006027013
Transaction Type	Transfer
Record Updated	Jun 30, 2026

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	314 W MITCHELL AVE, WATERLOO, IA 50701-4138

Tax Assessment & Valuation

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	$4,570.00 (+21.22%) Homeowner's exemption	$234,780 (+34.45%) Land $26,400 Building $208,380	$234,780 (+34.45%) Land $26,400 Building $208,380
2024	$3,770.00 (+3.57%)
2023		$174,620 (+10.39%) Land $26,400 Building $148,220	$174,620 (+10.39%) Land $26,400 Building $148,220
2022	$3,640.00	$158,190 Land $26,400 Building $131,790
2021			$158,190 Land $26,400 Building $131,790

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

Flood

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 Policies	1 in force
Nearby Flood Claims	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2010 · other causes

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

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

Wildfire Risk	Low lower than 98% of the US · lower than 82% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 541 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
AT&T Fixed Wireless	100 / 20

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

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