321 Baltimore St, Waterloo, IA 50701 Property Records

Black Hawk County property record for 321 Baltimore St, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,548 sqft · built 1909
Lot Size	0.129 acres (5,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$91,500 (Oct 2024)
Tax Bill	$1,224 (2025)
Deeds & Mortgages	Sep 2023 Sale & Second Mortgage Sep 2023 Sale & Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-26-304-009`

Property Details

APN / Parcel Number

Primary APN	`8913-26-304-009`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,548 sqft Living Area
1st Floor Area	720 sqft
Basement Area	828 sqft
Unfinished Basement	828 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Hip
Roof Material	Asphalt
Lot Area	5,600 sqft (0.129 acres)
Lot Dimensions	140 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	100 sqft
Deck Area	164 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	321 BALTIMORE ST
City	WATERLOO
State	IA
Zip	50701-2625
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHITNEY AND SEDGWICKS ADDITION SE 40 FT LOT 9 BLK 5
Legal Range	13W
Legal Township	89N
Legal Section	26
Legal Subdivision	WHITNEY AND SEDGWICKS ADDITION
Legal Block	5
Legal Lot Number	9
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2027
Census Tract	300

Owner

Source: Black Hawk County records, as of October 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	321 BALTIMORE ST, WATERLOO, IA 50701-2625
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2023	Warranty Deed, Transfer · Stand-Alone Second Mortgage VERIDIAN CU
Sep 18, 2023	Re-recorded Document · Stand-Alone Second Mortgage VERIDIAN CU
Oct 3, 2023	Re-recorded Document · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 3, 2024 · Amount on Record
Deed Sale	Oct 3, 2024 · Amount on Record
Prior Sale	Sep 1, 2024 · Amount on Record
Deed Document Number	20244569
Prior Transfer Date	Aug 30, 2024
Prior Transfer Doc	0000003207
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 1, 2023
Property Address	321 BALTIMORE ST, WATERLOO, IA 50701-2625
Document Number	202400003208
Instrument Date	Aug 31, 2023
Instrument	202400003208
Transaction Type	Transfer
Record Updated	Oct 19, 2023
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$145.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 BALTIMORE ST, WATERLOO, IA 50701-2625

Mortgage

Document Number	202400003210
Date	Sep 1, 2023
Instrument	202400003210

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	84 Months
Due	Sep 1, 2030

Mortgage

Document Number	202400003209
Date	Sep 1, 2023
Instrument	202400003209

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7%
Type Change Date	Sep 1, 2030
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	9%
Index	1-Year T-Bill
Max Rate	13%

September 2023: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 18, 2023
Property Address	321 BALTIMORE ST, WATERLOO, IA 50701-2625
Document Number	202400003876
Instrument Date	Aug 31, 2023
Instrument	202400003876
Record Updated	Oct 19, 2023
Title Company	TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	321 BALTIMORE ST, WATERLOO, IA 50701-2625

Mortgage

Document Number	202400004571
Date	Oct 3, 2023
Instrument	202400004571

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	83 Months
Due	Sep 1, 2030

October 2023: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 3, 2023
Property Address	321 BALTIMORE ST, WATERLOO, IA 50701-2625
Document Number	202400004569
Instrument Date	Aug 31, 2023
Instrument	202400004569
Record Updated	Oct 19, 2023
Title Company	TITLE SERVICES CORPORATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 BALTIMORE ST, WATERLOO, IA 50701-2625

Mortgage

Document Number	202400004570
Date	Oct 3, 2023
Instrument	202400004570

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7%
Type Change Date	Sep 1, 2030
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	9%
Index	1-Year T-Bill
Max Rate	13%

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	$1,224.00 (+10.67%) Homeowner's exemption	$70,850 (+16.34%) Land $6,000 Building $64,850	$70,850 (+16.34%) Land $6,000 Building $64,850
2024	$1,106.00 (+24.27%)
2023		$60,900 (+23.35%) Land $6,000 Building $54,900	$60,900 (+23.35%) Land $6,000 Building $54,900
2022	$890.00 Homeowner's exemption	$49,370 Land $6,000 Building $43,370
2021			$49,370 Land $6,000 Building $43,370

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Not rated no burnable land within 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 734 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 · Fiber in parts of the area	1,000 / 50

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

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