315 Newell St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 315 Newell St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,530 sqft · built 1909
Lot Size	0.164 acres (7,140 sqft)
Owner	Individual Name on File
Tax Bill	$934 (2025)
Deeds & Mortgages	May 2017 Mortgage Apr 2020 Mortgage
Flood Zone	Zone X (reduced by levee)
APN	`8913-13-383-014`

Property Details

APN / Parcel Number

Primary APN	`8913-13-383-014`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,530 sqft Living Area
1st Floor Area	900 sqft
Basement Area	900 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	7,140 sqft (0.164 acres)
Lot Dimensions	140 ft deep x 51 ft wide
Garage Type	Detached
Garage Area	324 sqft
Parking Spaces	1 Parking Space
Deck Area	160 sqft
Patio Area	42 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	315 NEWELL ST
City	WATERLOO
State	IA
Zip	50703-3133
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MANSONS SECOND ADDITION LOT 12 BLK 2
Legal Range	13W
Legal Township	89N
Legal Section	13
Legal Subdivision	MANSONS SECOND ADDITION
Legal Block	2
Legal Lot Number	12
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2037
Census Tract	1701

Owner

315 Newell St is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	315 NEWELL ST, WATERLOO, IA 50703-3133
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.

Deeds, Mortgages & Sale History

Date	Document
May 24, 2017	Deed of Trust, Mortgage VERIDIAN CU
Apr 16, 2020	Deed of Trust, Mortgage · Commercial Mortgage DUPACO COMMUNITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	315 NEWELL ST, WATERLOO, IA 50703-3133
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700020477
Date	May 24, 2017
Instrument	2017-00020477

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50703

Agreement

Amount	Amount on Record
Term	120 Months
Due	May 25, 2027

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	315 NEWELL ST, WATERLOO, IA 50703-3133
Transaction Type	Mortgage
Record Updated	Jul 10, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000017896
Date	Apr 16, 2020
Instrument	202000017896

Lender

Name	DUPACO COMMUNITY CU
Type	Credit Union
Address	DUBUQUE, IA 52001

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	120 Months
Due	Apr 16, 2030

Tax Assessment & Valuation

The 2025 property tax bill for 315 Newell St was $934 with a homeowner's exemption, up 24.2% 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	$934.00 (+24.2%) Homeowner's exemption	$71,260 Land $5,740 Building $65,520	$71,260 Land $5,740 Building $65,520
2024	$752.00
2023		$58,620 (+42.35%) Land $5,740 Building $52,880	$58,620 Land $5,740 Building $52,880
2022	$710.00 Homeowner's exemption	$41,180 Land $5,740 Building $35,440
2021			$41,180 Land $5,740 Building $35,440

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

Flood

FEMA maps place 315 Newell St in Zone X, where a levee reduces flood risk.

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	1 in force

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 315 Newell 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 365 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
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

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