321 Edwards St, Waterloo, IA 50703 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 656 sqft · built 1904
Lot Size	0.188 acres (8,174 sqft)
Owner	Individual Name on Record
Last Sale	$40,000 (Dec 2022)
Tax Bill	$710 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Mar 2021 Sale
Flood Zone	Zone X (moderate risk)
APN	`8913-23-235-002`

Property Details

APN / Parcel Number

Primary APN	`8913-23-235-002`
Alternative APN	`8913-23-235-015`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	656 sqft Living Area
1st Floor Area	656 sqft
Basement Area	656 sqft
Unfinished Basement	656 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1904
Effective Year Built	Effective 1904
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	8,174 sqft (0.188 acres)
Lot Dimensions	122 ft deep x 67 ft wide
Porch	Slab
Porch Area	178 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	321 EDWARDS ST
City	WATERLOO
State	IA
Zip	50703-3631
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CALUMET ADDITION LOT 2 BLK 9 W 17 FT LOT 3 BLK 9
Legal Range	13W
Legal Township	89N
Legal Section	23
Legal Subdivision	CALUMET ADDITION
Legal Block	9
Legal Lot Number	2,3
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2033
Census Tract	500

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 Record	Individual Name on Record
Mailing Address	321 EDWARDS ST, WATERLOO, IA 50703-3631
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2021	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Mar 17, 2021	Warranty Deed, Transfer BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK CNTY ABSTRACT CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 22, 2022 · Amount on Record
Deed Sale	Dec 22, 2022 · Amount on Record
Prior Sale	Nov 14, 2022 · Amount on Record
Deed Document Number	202213070
Prior Transfer Date	Nov 4, 2022
Prior Transfer Doc	0000007651
Record Updated	Oct 29, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Dec 22, 2021
Property Address	321 EDWARDS ST, WATERLOO, IA 50703-3631
Document Number	202200013070
Instrument Date	Dec 20, 2021
Instrument	202200013070
Transaction Type	Transfer
Record Updated	Nov 29, 2022
Title Company	TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$63.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 EDWARDS ST, WATERLOO, IA 50703-3631

Mortgage

Document Number	202200013071
Date	Dec 22, 2021
Instrument	202200013071

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Mar 17, 2021
Property Address	321 EDWARDS ST, WATERLOO, IA 50703-3631
Document Number	202100019469
Instrument Date	Mar 16, 2021
Instrument	202100019469
Transaction Type	Transfer
Record Updated	Nov 29, 2022
Title Company	BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK CNTY ABSTRACT CO

Transaction

Amount	Amount Recorded
Tax	$55.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 EDWARDS ST, WATERLOO, IA 50703-3631

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	$710.00 (+42.57%) Homeowner's exemption	$45,650 (+56.87%) Land $8,360 Building $37,290	$45,650 (+56.87%) Land $8,360 Building $37,290
2024	$498.00 (+62.75%)
2023		$29,100 (+27.46%) Land $4,240 Building $24,860	$29,100 (+27.46%) Land $4,240 Building $24,860
2022	$306.00	$22,830 Land $4,240 Building $18,590
2021			$22,830 Land $4,240 Building $18,590

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	10 (1998–2016)
Most Recent Claim	Sep 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 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 220 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

May also be available: GigFire, Nextlink.

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