Black Hawk County property record for 316 Polk St, Waterloo, IA 50703
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 864 sqft · built 1958 |
| Lot Size | 0.143 acres (6,250 sqft) |
| Owner | Individual Name on File |
| Last Sale | $77,000 (Jul 2021) |
| Tax Bill | $1,408 (2025) |
| Deeds & Mortgages | Jul 2018 Mortgage Aug 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 8912-30-134-004 |
| Primary APN | 8912-30-134-004 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 864 sqft Living Area |
| 1st Floor Area | 864 sqft |
| Basement Area | 864 sqft |
| Unfinished Basement | 864 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,250 sqft (0.143 acres) |
| Lot Dimensions | 125 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 112 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 316 POLK ST |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50703-4310 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HILLSIDE ADDITION WATERLOO LOT 6 BLK 12 |
| Legal Range | 12W |
| Legal Township | 89N |
| Legal Section | 30 |
| Legal Subdivision | HILLSIDE ADDITION WATERLOO |
| Legal Block | 12 |
| Legal Lot Number | 6 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 1900 |
Source: Black Hawk County records · APN 8912-30-134-004
Assessment roll updated October 17, 2025 · Last verified August 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 | 316 POLK ST, WATERLOO, IA 50703-4310 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 20, 2018 | Deed of Trust, Mortgage VERIDIAN CREDIT UNION |
| Aug 16, 2018 | Deed of Trust, Mortgage VERIDIAN CREDIT UNION |
| Jul 01, 2021 | Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 01, 2021 · Amount on Record |
| Deed Sale | Jul 01, 2021 · Amount on Record |
| Prior Sale | Jul 20, 2018 · Amount on Record |
| Deed Document Number | 202122 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 316 POLK ST, WATERLOO, IA 50703-4310 |
| Transaction Type | Mortgage |
| Record Updated | Jul 08, 2022 |
| Name | Verified Name |
|---|
| Document Number | 201900001104 |
|---|---|
| Date | Jul 20, 2018 |
| Instrument | 201900001104 |
| Name | VERIDIAN CREDIT UNION |
|---|---|
| Type | Credit Union |
| Amount | Amount Recorded |
|---|---|
| Term | 354 Months |
| Due | Jan 01, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 316 POLK ST, WATERLOO, IA 50703-4310 |
| Transaction Type | Mortgage |
| Record Updated | Jul 08, 2022 |
| Name | Verified Name |
|---|
| Document Number | 201900002691 |
|---|---|
| Date | Aug 16, 2018 |
| Instrument | 201900002691 |
| Name | VERIDIAN CREDIT UNION |
|---|---|
| Type | Credit Union |
| Amount | Amount Recorded |
|---|---|
| Term | 113 Months |
| Due | Jan 01, 2028 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Jul 01, 2021 |
| Property Address | 316 POLK ST, WATERLOO, IA 50703-4310 |
| Document Number | 202200000022 |
| Instrument Date | Jun 24, 2021 |
| Instrument | 202200000022 |
| Transaction Type | Transfer |
| Record Updated | Jul 08, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $122.40 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 316 POLK ST, WATERLOO, IA 50703-4310 |
| Document Number | 202200000023 |
|---|---|
| Date | Jul 01, 2021 |
| Instrument | 202200000023 |
| Name | GREENSTATE CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 05, 2051 |
| Document Number | 202200000024 |
|---|---|
| Date | Jul 01, 2021 |
| Instrument | 202200000024 |
| Name | GREENSTATE CU |
|---|---|
| Type | Credit Union |
| Address | NORTH LIBERTY, IA 52317 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jul 05, 2031 |
Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community School District (PK - 12) |
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 | $1,408.00 | $91,280 (+40.63%) Land $5,340 Building $85,940 | $91,280 (+40.63%) Land $5,340 Building $85,940 |
| 2024 | $1,408.00 (+12.82%) | ||
| 2023 | $64,910 (+14.3%) Land $5,340 Building $59,570 | $64,910 (+14.3%) Land $5,340 Building $59,570 | |
| 2022 | $1,248.00 | $56,790 Land $5,340 Building $51,450 | |
| 2021 | $56,790 Land $5,340 Building $51,450 |
Source: FEMA National Flood Hazard Layer as of September 27, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 7 (1979) |
| Most Recent Claim | Apr 1979 · rainfall accumulation |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Holdings Fiber | 5,120 / 5,120 |
| Mediacom Communications Cable · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: AMG Technology Investment Group, LTD Broadband, Waterloo Telecommunications Utility.
Based on FCC filings for 571 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WATERLOO WATER WORKS serves 69,504 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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