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

Black Hawk County property record for 318 E 4th St, Waterloo, IA 50703 · Last verified June 2026

Property Summary

Property TypeProfessional Building (Legal, Insurance, Real Estate, Business)
Details3,962 sqft · built 1902
Lot Size0.073 acres (3,200 sqft)
OwnerCompany Name on File
Last Sale$252,000 (Jan 2017)
Tax Bill$6,216 (2025)
Deeds & MortgagesAug 2021 Line of Credit
Jun 2021 Sale
Flood ZoneZone X (reduced by levee)
APN8913-24-362-021

Property Details

APN / Parcel Number

Primary APN8913-24-362-021

Interior

Stories2 Stories
Building Area3,962 sqft Gross Area
1st Floor Area2,401 sqft
Basement Area1,561 sqft
Unfinished Basement1,561 sqft
FlooringCeramic Tile
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1902
Effective Year BuiltEffective 1902
Exterior MaterialBrick
Fire ResistanceWood or Wood & Steel Frame
Roof MaterialUrethane Foam
Lot Area3,200 sqft (0.073 acres)
Lot Dimensions100 ft deep x 32 ft wide
Deck Area1 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Street Address318 E 4TH ST
CityWATERLOO
StateIA
Zip50703-4704
Property CategoryCommercial
Property TypeCommercial > Office > Professional Building (Legal, Insurance, Real Estate, Business)
Legal DescriptionORIGINAL PLAT WATERLOO EAST SW 16 FT LOT 3 BLK 28 EXC THE SWLY 20 FT OF THE SELY 50 FT AND THE NELY 16 FT OF THE NWLY 100 FT
Legal Range13W
Legal Township89N
Legal Section24
Legal SubdivisionORIGINAL PLAT WATERLOO EAST
Legal Block28
Legal Lot Number3,6
JurisdictionBLACK HAWK IA
Township / Civil DivisionWATERLOO
Census Block Group2
Census Block2029
Census Tract100

Owner

Source: Black Hawk County records · APN 8913-24-362-021

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 RecordCompany Name on File
Mailing Address215 E 4TH ST, WATERLOO, IA 50703-4701
Owner TypeCompany
VestingCompany

Deeds, Mortgages & Sale History

DateDocument
Aug 05, 2021Deed of Trust, Mortgage · Line of Credit
DENVER SAVINGS BANK
Jun 30, 2021Warranty Deed, Transfer

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJan 13, 2017 · Amount on Record
Deed SaleJan 13, 2017 · Amount on Record
Prior SaleJan 11, 2006 · Amount on Record
Deed Document Number201712818
Record UpdatedSep 20, 2026

August 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBLACK HAWK IA
Property Address318 E 4TH ST, WATERLOO, IA 50703-4704
Transaction TypeMortgage
Record UpdatedAug 09, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number202200002725
DateAug 05, 2021
Instrument202200002725
Lender
NameDENVER SAVINGS BANK
TypeBank
AddressDENVER, IA 50622
Agreement
TypeLine of Credit
AmountAmount Recorded
Term359 Months
DueJul 30, 2051

June 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBLACK HAWK IA
Recording DateJun 30, 2021
Property Address318 E 4TH ST, WATERLOO, IA 50703-4704
Document Number202100027837
Instrument DateJun 29, 2021
Instrument202100027837
Transaction TypeTransfer
Record UpdatedAug 09, 2022

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address315 E 5TH ST, WATERLOO, IA 50703-4757

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateIowa
CountyBlack Hawk County
MunicipalityWaterloo City
Unified School DistrictWaterloo 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.

YearTax BillAssessed ValueAssessed Market Value
2025$6,216.00$265,300 (+0.3%) Land $19,200 Building $246,100$265,300 (+0.3%) Land $19,200 Building $246,100
2024$6,216.00 (+31.47%)
2023$264,510 (+22.89%) Land $19,200 Building $245,310$264,510 (+22.89%) Land $19,200 Building $245,310
2022$4,728.00$215,250 Land $12,670 Building $202,580
2021$215,250 Land $12,670 Building $202,580

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Black Hawk County (19013C), updated September 27, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 190130001002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardReduced by levee
depends on levee performance
500-Year FloodplainNo
Nearby Flood Policies8 in force
Nearby Flood Claims2 (1978–1991)
Claims Outside the SFHA1 of 2
Most Recent ClaimMay 1991, river or lake flooding

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 186 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Metronet HoldingsFiber5,120 / 5,120
Mediacom CommunicationsCable1,000 / 50
VerizonFixed Wireless300 / 20
AT&TFixed Wireless100 / 20

May also be available at this address: AMG Technology Investment Group, Mediacom Communications, LTD Broadband. Availability varies by address; speeds are provider-advertised maximums, not measured.

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