318 Sunset Rd, Waterloo, IA 50701 Property Records

Black Hawk County property record for 318 Sunset Rd, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,256 sqft · built 1911
Lot Size	0.193 acres (8,400 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,824 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Aug 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`8913-34-252-006`

Property Details

APN / Parcel Number

Primary APN	`8913-34-252-006`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,256 sqft Living Area
1st Floor Area	728 sqft
Basement Area	728 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1911
Effective Year Built	Effective 1911
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	8,400 sqft (0.193 acres)
Lot Dimensions	140 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	543 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	313 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	318 SUNSET RD
City	WATERLOO
State	IA
Zip	50701-3926
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KENDALLS FOURTH STREET ADD WLOO LOT 8 BLK 4
Legal Range	13W
Legal Township	89N
Legal Section	34
Legal Subdivision	KENDALLS FOURTH STREET ADD
Legal Block	4
Legal Lot Number	8
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	4
Census Block	4013
Census Tract	1400

Owner

318 Sunset Rd is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	318 SUNSET RD, WATERLOO, IA 50701-3926
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
Jul 18, 2022	Deed of Trust, Mortgage · Line of Credit FARMERS STATE BANK
Aug 29, 2017	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	318 SUNSET RD, WATERLOO, IA 50701-3926
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202300000936
Date	Jul 18, 2022
Instrument	202300000936

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	WATERLOO, IA 50701

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jul 25, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	318 SUNSET RD, WATERLOO, IA 50701-3926
Transaction Type	Mortgage
Record Updated	Sep 19, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 2018-00003737
Date	Aug 29, 2017
Instrument	2018-00003737

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	Waterloo, IA 50704

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Aug 22, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 318 Sunset Rd was $4,824 with a homeowner's exemption, up 20.1% 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	$4,824.00 (+20.12%) Homeowner's exemption	$247,310 Land $24,000 Building $223,310	$247,310 Land $24,000 Building $223,310
2024	$4,016.00
2023		$195,340 (+12.09%) Land $24,000 Building $171,340	$195,340 Land $24,000 Building $171,340
2022	$3,632.00 Homeowner's exemption	$174,270 Land $24,000 Building $150,270
2021			$174,270 Land $24,000 Building $150,270

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

Flood

FEMA maps place 318 Sunset Rd in Zone X, an area of minimal 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 minimal risk
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

Wildfire risk around 318 Sunset Rd is low, with less than a 0.01% annual chance of 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 163 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	1,000 / 50
GigFire Fixed Wireless	150 / 130
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink, Verizon.

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