320 Bates St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 320 Bates St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,017 sqft · built 2004
Lot Size	0.134 acres (5,850 sqft)
Owner	Company Name on Record
Last Sale	$103,000 (Jun 2025)
Tax Bill	$1,316 (2025)
Deeds & Mortgages	Sep 2017 Mortgage Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-24-260-026`

Property Details

APN / Parcel Number

Primary APN	`8913-24-260-026`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,017 sqft Living Area
1st Floor Area	1,017 sqft
Basement Area	1,017 sqft
Finished Basement	200 sqft
Unfinished Basement	1,017 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,850 sqft (0.134 acres)
Lot Dimensions	117 ft deep x 50 ft wide
Porch	Slab
Porch Area	65 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	320 BATES ST
City	WATERLOO
State	IA
Zip	50703-2816
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOWREY & MCWILLIAMS ADDITION LOT 16 AND THAT PART OF LOT 15 LYING IN THE S 50 FT OF TRACT B IN FEE BK 2002 030314 ALL IN BLK
Legal Range	13W
Legal Township	89N
Legal Section	24
Legal Subdivision	HOWREY & MCWILLIAMS ADDITION
Legal Tract	B
Legal Block	10
Legal Lot Number	15,16
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1067
Census Tract	1800

Owner

Source: Black Hawk County records, as of May 27, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	2725 UNION RD, CEDAR FALLS, IA 50613-9289
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2017	Deed of Trust, Mortgage CEDAR FALLS COMMUNITY CU
Jan 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Oct 16, 2018	Warranty Deed, Transfer QUICKEN LOAN INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 27, 2025 · Amount on Record
Deed Sale	Jun 27, 2025 · Amount on Record
Prior Sale	Oct 16, 2018 · Amount on Record
Deed Document Number	20259202
Record Updated	Sep 20, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	320 BATES ST, WATERLOO, IA 50703-2816
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800004555
Date	Sep 12, 2017
Instrument	2018-00004555

Lender

Name	CEDAR FALLS COMMUNITY CU
Type	Credit Union
Address	CEDAR FALLS, IA 50613

Agreement

Amount	Amount Recorded
Term	66 Months
Due	Mar 25, 2023

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	320 BATES ST, WATERLOO, IA 50703-2816
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100015029
Date	Jan 19, 2021
Instrument	202100015029

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2041

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 16, 2018
Property Address	320 BATES ST, WATERLOO, IA 50703-2816
Document Number	201900006226
Instrument Date	Oct 11, 2018
Instrument	201900006226
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 BATES ST, WATERLOO, IA 50703-2816

Mortgage

Document Number	201900006227
Date	Oct 16, 2018
Instrument	201900006227

Lender

Name	QUICKEN LOAN INC
Type	Lending Institution

Agreement

Amount	Amount Recorded
Term	351 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

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	$1,316.00 Homeowner's exemption	$111,010 (+31.22%) Land $7,520 Building $103,490	$111,010 (+31.22%) Land $7,520 Building $103,490
2024	$1,316.00 (+3.62%)
2023		$84,600 (+26.91%) Land $7,520 Building $77,080	$84,600 (+26.91%) Land $7,520 Building $77,080
2022	$1,270.00 Homeowner's exemption	$66,660 Land $7,520 Building $59,140
2021			$66,660 Land $7,520 Building $59,140

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

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 91% 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 261 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
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink, T-Mobile.

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