324 Bates St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 324 Bates St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,092 sqft · built 2003
Lot Size	0.214 acres (9,301 sqft)
Owner	Individual Name on Record
Last Sale	$135,000 (Dec 2025)
Tax Bill	$2,480 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-24-260-025`

Property Details

APN / Parcel Number

Primary APN	`8913-24-260-025`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,092 sqft Living Area
1st Floor Area	1,092 sqft
Basement Area	1,092 sqft
Unfinished Basement	1,092 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,301 sqft (0.214 acres)
Lot Dimensions	117 ft deep x 79 ft wide
Garage Type	Attached
Garage Area	456 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	54 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	324 BATES ST
City	WATERLOO
State	IA
Zip	50703-2816
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOWREY & MCWILLIAMS ADDITION LOT 14 & 15 BLK 10 EXC THAT PART OF LOT 15 LYING IN S 50 FT OF TRACT B IN FEE BK 2002 030314
Legal Range	13W
Legal Township	89N
Legal Section	24
Legal Subdivision	HOWREY & MCWILLIAMS ADDITION
Legal Tract	B
Legal Block	10
Legal Lot Number	14,15
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1067
Census Tract	1800

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	324 BATES ST, WATERLOO, IA 50703-2816
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2025	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
Oct 13, 2020	Warranty Deed, Transfer · VA Mortgage BANKIOWA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 30, 2025 · Amount on Record
Deed Sale	Dec 30, 2025 · Amount on Record
Prior Sale	Jun 27, 2025 · Amount on Record
Deed Document Number	202519068
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	324 BATES ST, WATERLOO, IA 50703-2816
Transaction Type	Mortgage
Record Updated	Jan 9, 2026
Title Company	BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK CNTY ABSTRACT & T

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202519069
Date	Dec 30, 2025
Instrument	2025-19069

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	1827 ANSBOROUGH AVE, WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2033
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	7.75%
Index	1-Year CMT
Max Rate	11.7%

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 13, 2020
Property Address	324 BATES ST, WATERLOO, IA 50703-2816
Document Number	202100007844
Map Reference	DOC 2002-30314
Instrument Date	Oct 8, 2020
Instrument	202100007844
Transaction Type	Transfer
Record Updated	Feb 10, 2022
Title Company	BLACK HAWK COUNTY ABSTRACT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$183.20
Amount Accuracy	Full Amount Stated
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 BATES ST, WATERLOO, IA 50703-2816

Mortgage

Document Number	202100007845
Date	Oct 13, 2020
Instrument	202100007845

Lender

Name	BANKIOWA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

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	$2,480.00 (+22.17%) Homeowner's exemption	$121,540 (+29.89%) Land $11,930 Building $109,610	$121,540 (+29.89%) Land $11,930 Building $109,610
2024	$2,030.00 (+24.54%)
2023		$93,570 (+26.05%) Land $11,930 Building $81,640	$93,570 (+26.05%) Land $11,930 Building $81,640
2022	$1,630.00	$74,230 Land $11,930 Building $62,300
2021			$74,230 Land $11,930 Building $62,300

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 Policies	1 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

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 261 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
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, T-Mobile.

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