Black Hawk County property record for 324 Madison St, Waterloo, IA 50703 · Last verified June 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,176 sqft · built 2009 |
| Lot Size | 0.147 acres (6,400 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $182,000 (Jun 2022) |
| Tax Bill | $3,734 (2025) |
| Deeds & Mortgages | Nov 2018 Line of Credit Jun 2021 Second Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 8912-30-129-025 |
| Primary APN | 8912-30-129-025 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,176 sqft Living Area |
| 1st Floor Area | 1,176 sqft |
| Basement Area | 1,176 sqft |
| Finished Basement | 885 sqft |
| Unfinished Basement | 1,176 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,400 sqft (0.147 acres) |
| Lot Dimensions | 128 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 100 sqft |
| Patio Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 324 MADISON ST |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50703-4340 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HILLSIDE ADDITION WATERLOO LOT 5 BLK 6 |
| Legal Range | 12W |
| Legal Township | 89N |
| Legal Section | 30 |
| Legal Subdivision | HILLSIDE ADDITION WATERLOO |
| Legal Block | 6 |
| Legal Lot Number | 5 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 1900 |
Source: Black Hawk County records · APN 8912-30-129-025
Assessment roll updated October 17, 2025 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 324 MADISON ST, WATERLOO, IA 50703-4340 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 15, 2018 | Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF IOWA CREDIT UNION |
| Jun 02, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage VERIDIAN CU |
| Jun 17, 2022 | Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 17, 2022 · Amount on Record |
| Deed Sale | Jun 17, 2022 · Amount on Record |
| Prior Sale | Apr 18, 2011 · Amount on Record |
| Deed Document Number | 202224490 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 324 MADISON ST, WATERLOO, IA 50703-4340 |
| Transaction Type | Mortgage |
| Record Updated | Jul 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 201900007794 |
|---|---|
| Date | Nov 15, 2018 |
| Instrument | 201900007794 |
| Name | UNIVERSITY OF IOWA CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 50 Months |
| Due | Jan 01, 2023 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 324 MADISON ST, WATERLOO, IA 50703-4340 |
| Transaction Type | Mortgage |
| Record Updated | Jul 26, 2022 |
| Name | Verified Name |
|---|---|
| Address | 324 MADISON ST, WATERLOO, IA 50703-4340 |
| Document Number | 202100025436 |
|---|---|
| Date | Jun 02, 2021 |
| Instrument | 202100025436 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | WATERLOO, IA 50704 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jun 15, 2031 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Jun 17, 2022 |
| Property Address | 324 MADISON ST, WATERLOO, IA 50703-4340 |
| Document Number | 202200024490 |
| Instrument Date | Jun 10, 2022 |
| Instrument | 202200024490 |
| Transaction Type | Transfer |
| Record Updated | Jul 01, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $290.40 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 324 MADISON ST, WATERLOO, IA 50703-4340 |
| Document Number | 202200024491 |
|---|---|
| Date | Jun 17, 2022 |
| Instrument | 202200024491 |
| Name | GREENSTATE CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 05, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.87% |
| Type Change Date | Jul 05, 2032 |
| Change Frequency | Annually |
| Min Rate At Change | 5% |
| Max Rate At Change | 5.87% |
| Index | 1-Year CMT |
| Max Rate | 9.87% |
| Document Number | 202200024492 |
|---|---|
| Date | Jun 17, 2022 |
| Instrument | 202200024492 |
| Name | GREENSTATE CU |
|---|---|
| Type | Credit Union |
| Address | NORTH LIBERTY, IA 52317 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Jul 05, 2032 |
Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,734.00 Homeowner's exemption | $191,460 (+5.02%) Land $9,700 Building $181,760 | $191,460 (+5.02%) Land $9,700 Building $181,760 |
| 2024 | $3,734.00 (+52.78%) | ||
| 2023 | $182,310 (+51.74%) Land $9,700 Building $172,610 | $182,310 (+51.74%) Land $9,700 Building $172,610 | |
| 2022 | $2,444.00 Homeowner's exemption | $120,150 Land $9,700 Building $110,450 | |
| 2021 | $120,150 Land $9,700 Building $110,450 |
Source: FEMA National Flood Hazard Layer, Black Hawk County (19013C), updated September 27, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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