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321 Bratnober St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 321 Bratnober St, Waterloo, IA 50703

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 823 sqft · built 1895
Lot Size0.149 acres (6,500 sqft)
OwnerCompany Name on Record
Tax Bill$662 (2025)
Deeds & MortgagesAug 2019 Mortgage
Flood ZoneZone X (moderate risk)
APN8913-23-276-004

Property Details

APN / Parcel Number

Primary APN8913-23-276-004

Interior

Bedrooms2 Beds
Full Baths1 Bath
Total Rooms5 Rooms
Stories1 Story
Building Area823 sqft Living Area
1st Floor Area336 sqft
Basement Area588 sqft
Unfinished Basement588 sqft
FlooringCarpet
Interior WallsPlaster

Exterior

Year BuiltBuilt 1895
Effective Year BuiltEffective 1895
Exterior MaterialAluminum Siding
Construction TypeFrame
Roof TypeGable
Roof MaterialAsphalt
Lot Area6,500 sqft (0.149 acres)
Lot Dimensions130 ft deep x 50 ft wide
Total Buildings2 Buildings

Utilities, Heating & Cooling

Cooling SystemNone
Heating SystemHVAC

Location & Zoning

Street Address321 BRATNOBER ST
CityWATERLOO
StateIA
Zip50703-3607
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCALUMET ADDITION LOT 2 BLK 10
Legal Range13W
Legal Township89N
Legal Section23
Legal SubdivisionCALUMET ADDITION
Legal Block10
Legal Lot Number2
JurisdictionBLACK HAWK IA
Township / Civil DivisionWATERLOO
Census Block Group2
Census Block2034
Census Tract500

Owner

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

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

Owner of RecordCompany Name on Record
Mailing Address4214 PADDINGTON DR, CEDAR FALLS, IA 50613-8916
Owner TypeCompany
VestingCompany

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Record UpdatedOct 29, 2026

August 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBLACK HAWK IA
Property Address321 BRATNOBER ST, WATERLOO, IA 50703-3607
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number202000002419
DateAug 7, 2019
Instrument202000002419
Lender
NameVERIDIAN CREDIT UNION
Agreement
TypeBalloon Mortgage
AmountAmount Recorded

Tax Assessment & Valuation

Source: Black Hawk County assessment roll, as of October 17, 2025

Property Jurisdictions

TypeName
StateIowa
CountyBlack Hawk County
MunicipalityWaterloo City
Unified School DistrictWaterloo Community School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$662.00 (+28.29%)$32,420 (+36.51%) Land $6,370 Building $26,050$32,420 (+36.51%) Land $6,370 Building $26,050
2024$516.00 (+12.66%)
2023$23,750 (+13.75%) Land $6,370 Building $17,380$23,750 (+13.75%) Land $6,370 Building $17,380
2022$458.00$20,880 Land $6,370 Building $14,510
2021$20,880 Land $6,370 Building $14,510

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 ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 11 policies
Nearby Flood Policies11 in force
Nearby Flood Claims10 (1998–2016)
Most Recent ClaimSep 2016 · Severe Storms And Flooding
Claims by Event
  • Severe Storms And Flooding, Sep 2016 · 2 claims
  • Severe Storms, Tornadoes, And Flooding, Jun 2008 · 6 claims

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 RiskNot 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 SystemWATERLOO WATER WORKS
serves 69,504 people · EPA ID IA0790074
Water SourceGroundwater
Last State InspectionNov 2023
Lead2 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 220 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Metronet
Fiber		5,120 / 5,120
Mediacom Xtream
Cable		1,000 / 50
Verizon
Fixed Wireless		300 / 20

May also be available: GigFire, Nextlink.

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