321 W 18th St, Waterloo, IA 50702 Property Records

Black Hawk County property record for 321 W 18th St, Waterloo, IA 50702

Property Summary

Property Type	Office Building
Details	3,619 sqft · built 1940
Lot Size	0.825 acres (35,937 sqft)
Owner	2 Individual Names on File
Last Sale	$230,000 (May 2023)
Tax Bill	$10,236 (2025)
Deeds & Mortgages	May 2023 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`8913-25-461-009`

Property Details

APN / Parcel Number

Primary APN	`8913-25-461-009`

Interior

Stories	1 Story
Building Area	3,619 sqft Gross Area
1st Floor Area	3,619 sqft
Basement Area	2,865 sqft
Unfinished Basement	2,865 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Brick
Construction Type	Concrete Block
Fire Resistance	Fireproof Steel Frame
Roof Material	Tar & Gravel
Lot Area	35,937 sqft (0.825 acres)
Porch	Slab

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	321 W 18TH ST
City	WATERLOO
State	IA
Zip	50702-1307
Property Category	Commercial
Property Type	Commercial > Office > Office Building
Legal Description	KENWOOD PARK LOTS 45 THRU 47, LOT 48 EXC SWLY 10 FT AND VAC ALLEY ADJ TO FOL DESC LOTS: FR NWLY LINE SWLY 10 FT OF LOTS 48 &
Legal Range	13W
Legal Township	89N
Legal Section	25
Legal Subdivision	KENWOOD PARK
Legal Lot Number	37,40
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2039
Census Tract	900

Owner

321 W 18th St, a commercial property, is owned by two individuals who bought it in May 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	2528 W 9TH ST, WATERLOO, IA 50702-4008
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 30, 2023 · Amount on File
Deed Sale	May 30, 2023 · Amount on File
Deed Document Number	202315959
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 30, 2023
Property Address	321 W 18TH ST, WATERLOO, IA 50702-1307
Document Number	202300015959
Instrument Date	May 23, 2023
Instrument	202300015959
Transaction Type	Transfer
Record Updated	Sep 29, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$367.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2528 W 9TH ST, WATERLOO, IA 50702-4008

Mortgage

Document Number	202300015960
Date	May 30, 2023
Instrument	202300015960

Lender

Name	FARMERS STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 26, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 321 W 18th St was $10,236, down 1.7% 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	$10,236.00 (-1.71%)	$323,950 Land $92,810 Building $231,140	$323,950 Land $92,810 Building $231,140
2024	$10,414.00
2023		$323,950 (+19.53%) Land $92,810 Building $231,140	$323,950 Land $92,810 Building $231,140
2022	$7,672.00	$271,030 Land $72,190 Building $198,840
2021			$271,030 Land $72,190 Building $198,840

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

Flood

FEMA maps place 321 W 18th St in Zone X, an area of minimal flood risk.

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 Policies	7 in force

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

The area around 321 W 18th 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 302 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

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