324 Allen St, Waterloo, IA 50701 Property Records

Black Hawk County property record for 324 Allen St, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 2,112 sqft · built 1901
Lot Size	0.161 acres (7,000 sqft)
Owner	2 Individual Names on File
Last Sale	$140,000 (Jun 2022)
Tax Bill	$3,698 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-26-327-007`

Property Details

APN / Parcel Number

Primary APN	`8913-26-327-007`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,112 sqft Living Area
1st Floor Area	918 sqft
Basement Area	918 sqft
Unfinished Basement	918 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1901
Effective Year Built	Effective 1901
Architectural Style	Duplex Single
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	7,000 sqft (0.161 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	384 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	132 sqft
Patio Area	36 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	324 ALLEN ST
City	WATERLOO
State	IA
Zip	50701-2610
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEAVITTS ADDITION NW 20 FT NE 140 FT LOT 9 BLK 4 SE 30 FT NE 140 FT LOT 10 BLK 4
Legal Range	13W
Legal Township	89N
Legal Section	26
Legal Subdivision	LEAVITTS ADDITION
Legal Block	4
Legal Lot Number	9,10
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2023
Census Tract	300

Owner

324 Allen St is owned and occupied by two individuals who bought it in June 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	324 ALLEN ST, WATERLOO, IA 50701-2610
Occupancy	Owner Occupied
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

Date	Document
Jun 29, 2022	Deed of Trust, Mortgage · Stand-Alone First Mortgage IOWA HEARTLAND HABITAT FOR HUMANITY
Jun 29, 2022	Warranty Deed, Transfer IOWA HEARTLAND HABITAT FOR HUMANITY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2022 · Amount on File
Deed Sale	Jun 29, 2022 · Amount on File
Deed Document Number	202225363
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	324 ALLEN ST, WATERLOO, IA 50701-2610
Transaction Type	Mortgage
Record Updated	Oct 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200025366
Date	Jun 29, 2022
Instrument	202200025366

Lender

Name	IOWA HEARTLAND HABITAT FOR HUMANITY
Type	Non-Lending Institution
Address	WATERLOO, IA 50702

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jun 28, 2042

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 29, 2022
Property Address	324 ALLEN ST, WATERLOO, IA 50701-2610
Document Number	202200025363
Instrument Date	Jun 28, 2022
Instrument	202200025363
Transaction Type	Transfer
Record Updated	Oct 20, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$223.20
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	324 ALLEN ST, WATERLOO, IA 50701-2610

Mortgage

Document Number	202200025364
Date	Jun 29, 2022
Instrument	202200025364

Lender

Name	IOWA HEARTLAND HABITAT FOR HUMANITY
Type	Non-Lending Institution

Agreement

Amount	Amount on Record
Term	182 Months
Due	Aug 1, 2037

Mortgage

Document Number	202200025365
Date	Jun 29, 2022
Instrument	202200025365

Lender

Name	HABITAT FOR HUMANITY OF IOWA INC
Type	Non-Lending Institution
Address	ALTOONA, IA 50009

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 324 Allen St was $3,698 with a homeowner's exemption, up 105.4% 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	$3,698.00 (+105.44%) Homeowner's exemption	$192,060 Land $7,500 Building $184,560	$192,060 Land $7,500 Building $184,560
2024	$1,800.00
2023		$93,190 (+571.88%) Land $7,500 Building $85,690	$93,190 Land $7,500 Building $85,690
2022	$304.00	$13,870
2021			$13,870

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 324 Allen 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 324 Allen 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.

Nearby Properties on Allen St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures