321 Locust St, Waterloo, IA 50701 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,320 sqft · built 1907
Lot Size	0.096 acres (4,200 sqft)
Owner	Company Name on File
Last Sale	$80,000 (Jan 2022)
Tax Bill	$1,134 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Mar 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-26-327-013`

Property Details

APN / Parcel Number

Primary APN	`8913-26-327-013`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,320 sqft Living Area
1st Floor Area	660 sqft
Basement Area	660 sqft
Finished Basement	250 sqft
Unfinished Basement	660 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1907
Effective Year Built	Effective 1907
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	4,200 sqft (0.096 acres)
Lot Dimensions	140 ft deep x 30 ft wide
Garage Type	Detached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	220 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	321 LOCUST ST
City	WATERLOO
State	IA
Zip	50701-2629
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEAVITTS ADDITION SE 30 FT LOT 17 BLK 4
Legal Range	13W
Legal Township	89N
Legal Section	26
Legal Subdivision	LEAVITTS ADDITION
Legal Block	4
Legal Lot Number	17
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2023
Census Tract	300

Owner

321 Locust St is owned by a company that bought it in January 2022.

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

Owner of Record	Company Name on File
Mailing Address	3130 FINLEY RD, 510, DOWNERS GROVE, IL 60515-1100
Owner Type	Company
Vesting	Company

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
Jul 10, 2023	Deed of Trust, Mortgage · Commercial Mortgage BANKIOWA
Mar 3, 2022	Deed of Trust, Mortgage RANBIR SINGH SAINT IRREVOCABLE TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 5, 2022 · Amount on File
Deed Sale	Jan 5, 2022 · Amount on File
Prior Sale	Nov 9, 2006 · Amount on File
Deed Document Number	202213903
Prior Transfer Date	Nov 3, 2006
Prior Transfer Doc	2007010744
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	321 LOCUST ST, WATERLOO, IA 50701-2629
Transaction Type	Mortgage
Record Updated	Feb 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6118 ROOSEVELT RD B, B, OAK PARK, IL 60304-2399

Mortgage

Document Number	202400000285
Date	Jul 10, 2023
Instrument	2024-00000285

Lender

Name	BANKIOWA
Type	Bank
Address	230 1ST ST E, INDEPENDENCE, IA 50644

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 7, 2053

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	321 LOCUST ST, WATERLOO, IA 50701-2629
Transaction Type	Mortgage
Record Updated	Mar 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200017455
Date	Mar 3, 2022
Instrument	202200017455

Lender

Name	RANBIR SINGH SAINT IRREVOCABLE TRUST
Type	Non-Lending Institution
Address	PERU, IL 61354

Agreement

Amount	Amount on Record
Term	11 Months
Due	Feb 22, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 321 Locust St was $1,134, up 8.8% 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	$1,134.00 (+8.83%)	$55,590 Land $4,500 Building $51,090	$55,590 Land $4,500 Building $51,090
2024	$1,042.00
2023		$48,020 (+23.07%) Land $4,500 Building $43,520	$48,020 Land $4,500 Building $43,520
2022	$856.00	$39,020 Land $4,500 Building $34,520
2021			$39,020 Land $4,500 Building $34,520

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 321 Locust St in Zone X, an area of minimal flood risk.

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

The area around 321 Locust St has no burnable land within ember reach, so its wildfire risk is not rated.

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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