320 Valley Rd, Waterloo, IA 50701 Property Records

Black Hawk County property record for 320 Valley Rd, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,023 sqft · built 1974
Lot Size	0.207 acres (9,010 sqft)
Owner	Individual Name on File
Last Sale	$230,500 (Apr 2026)
Tax Bill	$3,596 (2025)
Deeds & Mortgages	Feb 2015 Mortgage Apr 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-21-178-006`

Property Details

APN / Parcel Number

Primary APN	`8913-21-178-006`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,023 sqft Living Area
1st Floor Area	1,023 sqft
Basement Area	1,023 sqft
Finished Basement	725 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Exterior Material	Composition/Composite
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,010 sqft (0.207 acres)
Lot Dimensions	85 ft deep x 110 ft wide
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Deck Area	120 sqft
Patio Area	240 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	320 VALLEY RD
City	WATERLOO
State	IA
Zip	50701-1728
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	H RAY HUGHES ADDITION LOT 7
Legal Range	13W
Legal Township	89N
Legal Section	21
Legal Subdivision	H RAY HUGHES ADDITION
Legal Lot Number	7
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	3
Census Block	3017
Census Tract	1503

Owner

320 Valley Rd is owned and occupied by an individual who bought it in April 2026.

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

Owner of Record	Individual Name on File
Mailing Address	320 VALLEY RD, WATERLOO, IA 50701-1728
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
Feb 16, 2015	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
Apr 27, 2026	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 27, 2026 · Amount on File
Deed Sale	Apr 27, 2026 · Amount on File
Deed Document Number	20265857
Record Updated	Oct 29, 2026

February 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	320 VALLEY RD, WATERLOO, IA 50701-1728
Transaction Type	Mortgage
Record Updated	May 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201500013029
Date	Feb 16, 2015
Instrument	201500013029

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2030

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 27, 2026
Property Address	320 VALLEY RD, WATERLOO, IA 50701-1728
Document Number	0000005857
Instrument Date	Apr 15, 2026
Instrument	2026.5857
Transaction Type	Transfer
Record Updated	May 4, 2026
Title Company	ABSTRACT TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$37,168.00
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 VALLEY RD, WATERLOO, IA 50701-1728

Mortgage

Document Number	0000005858,
Date	Apr 27, 2026
Instrument	2026..5858

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.63%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Mortgage

Document Number	0000005859,
Date	Apr 27, 2026
Instrument	2026.5859

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Amount	Amount on Record
Term	7 Months
Due	May 1, 2033

Interest

Rate	6.11%
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 320 Valley Rd was $3,596 with a homeowner's exemption, up 5.7% 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	$3,596.00 (+5.7%) Homeowner's exemption	$196,050 Land $27,050 Building $169,000	$196,050 Land $27,050 Building $169,000
2024	$3,402.00
2023		$175,470 (+20.21%) Land $27,050 Building $148,420	$175,470 Land $27,050 Building $148,420
2022	$2,936.00 Homeowner's exemption	$145,970 Land $27,050 Building $118,920
2021			$145,970 Land $27,050 Building $118,920

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

Flood

FEMA maps place 320 Valley Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2013.

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 Claims	1 (2013)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2013 · tidal / storm surge

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 320 Valley 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 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 342 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
CenturyLink DSL	140 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

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