315 E 4th St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 315 E 4th St, Waterloo, IA 50703 · Last verified June 2026

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	2,335 sqft · built 1880
Lot Size	0.071 acres (3,080 sqft)
Owner	Individual Name on File
Last Sale	$160,000 (Jan 2022)
Tax Bill	$1,794 (2025)
Flood Zone	Zone X (reduced by levee)
APN	`8913-24-359-007`

Property Details

APN / Parcel Number

Primary APN	`8913-24-359-007`

Interior

Stories	1 Story
Building Area	2,335 sqft Gross Area
1st Floor Area	2,335 sqft
Basement Area	1,600 sqft
Unfinished Basement	1,600 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Exterior Material	Concrete Block
Construction Type	Concrete Block
Fire Resistance	Wood or Wood & Steel Frame
Roof Material	Rolled Roofing
Lot Area	3,080 sqft (0.071 acres)
Lot Dimensions	154 ft deep x 20 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	315 E 4TH ST
City	WATERLOO
State	IA
Zip	50703-4703
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	ORIGINAL PLAT WATERLOO EAST SW 20 FT NE 40 FT LOT 5 BLK 29 SW 20 FT NE 40 FT SE 4 FT LOT 6 BLK 29
Legal Range	13W
Legal Township	89N
Legal Section	24
Legal Subdivision	ORIGINAL PLAT WATERLOO EAST
Legal Block	29
Legal Lot Number	5,6
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2030
Census Tract	100

Owner

Source: Black Hawk County records · APN 8913-24-359-007

Assessment roll updated October 17, 2025 · Last verified June 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	315 E 4TH ST, WATERLOO, IA 50703-4703
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 10, 2022 · Amount on Record
Deed Sale	Jan 10, 2022 · Amount on Record
Record Updated	Sep 20, 2026

Tax Assessment & Valuation

Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified June 2026

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

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	$1,794.00	$82,670 (-) Land $18,480 Building $64,190	$82,670 (-) Land $18,480 Building $64,190
2024	$1,794.00 (+11.22%)
2023		$82,670 Land $18,480 Building $64,190	$82,670 Land $18,480 Building $64,190
2022	$1,613.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Black Hawk County (19013C), updated September 27, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Reduced by levee depends on levee performance
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026

Historic District	Within the Waterloo East Commercial Historic District listed 2011 · 28 contributing resources · NRIS 11000813

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.