323 Polk St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 323 Polk St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 768 sqft · built 1945
Lot Size	0.143 acres (6,250 sqft)
Owner	Individual Name on Record
Tax Bill	$1,602 (2025)
Deeds & Mortgages	Mar 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`8912-30-131-014`

Property Details

APN / Parcel Number

Primary APN	`8912-30-131-014`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	768 sqft Living Area
1st Floor Area	768 sqft
Basement Area	768 sqft
Finished Basement	330 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,250 sqft (0.143 acres)
Lot Dimensions	125 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	264 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	20 sqft
Patio Area	20 sqft
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	323 POLK ST
City	WATERLOO
State	IA
Zip	50703-4309
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HILLSIDE ADDITION WATERLOO LOT 14 BLK 7
Legal Range	12W
Legal Township	89N
Legal Section	30
Legal Subdivision	HILLSIDE ADDITION WATERLOO
Legal Block	7
Legal Lot Number	14
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	3
Census Block	3008
Census Tract	1900

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	323 POLK ST, WATERLOO, IA 50703-4309
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	323 POLK ST, WATERLOO, IA 50703-4309
Transaction Type	Mortgage
Record Updated	Mar 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 POLK ST, WATERLOO, IA 50703-4309

Mortgage

Document Number	202100018087
Date	Mar 1, 2021
Instrument	202100018087

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Mar 10, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$1,602.00 (+40.28%) Homeowner's exemption	$89,360 (+42.09%) Land $5,340 Building $84,020	$89,360 (+42.09%) Land $5,340 Building $84,020
2024	$1,142.00 (+13.97%)
2023		$62,890 (+15.31%) Land $5,340 Building $57,550	$62,890 (+15.31%) Land $5,340 Building $57,550
2022	$1,002.00 Homeowner's exemption	$54,540 Land $5,340 Building $49,200
2021			$54,540 Land $5,340 Building $49,200

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	7 (1979)
Most Recent Claim	Apr 1979 · rainfall accumulation

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	Low lower than 99.1% of the US · lower than 91% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 349 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Waterloo Fiber Fiber	10,000 / 10,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: GigFire, Metronet, Nextlink.

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