325 Bates St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 325 Bates St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,040 sqft · built 1981
Lot Size	0.185 acres (8,052 sqft)
Owner	Individual Name on File
Last Sale	$52,500 (Feb 2019)
Tax Bill	$1,876 (2025)
Deeds & Mortgages	Feb 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-24-259-014`

Property Details

APN / Parcel Number

Primary APN	`8913-24-259-014`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,040 sqft Living Area
1st Floor Area	1,040 sqft
Basement Area	1,040 sqft
Unfinished Basement	1,040 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,052 sqft (0.185 acres)
Lot Dimensions	132 ft deep x 61 ft wide

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	325 BATES ST
City	WATERLOO
State	IA
Zip	50703-2815
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOWREY & MCWILLIAMS ADDITION N 1/2 LOT 18 BLK 9 LOT 19 BLK 9
Legal Range	13W
Legal Township	89N
Legal Section	24
Legal Subdivision	HOWREY & MCWILLIAMS ADDITION
Legal Block	9
Legal Lot Number	18,19
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1068
Census Tract	1800

Owner

325 Bates St is owned and occupied by an individual who bought it in February 2019.

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

Owner of Record	Individual Name on File
Mailing Address	325 BATES ST, WATERLOO, IA 50703-2815
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 19, 2019 · Amount on File
Deed Sale	Feb 19, 2019 · Amount on File
Deed Document Number	201912538
Prior Transfer Date	Jun 15, 2005
Prior Transfer Doc	2005029636
Record Updated	Oct 29, 2026

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Feb 19, 2019
Property Address	325 BATES ST, WATERLOO, IA 50703-2815
Document Number	201900012538
Instrument Date	Feb 7, 2019
Instrument	201900012538
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	325 BATES ST, WATERLOO, IA 50703-2815

Mortgage

Document Number	201900012539
Date	Feb 19, 2019
Instrument	201900012539

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	ARM
Amount	Amount on Record
Term	241 Months
Due	Mar 1, 2039

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Mar 1, 2029
Index	Other

Tax Assessment & Valuation

The 2025 property tax bill for 325 Bates St was $1,876, up 21.8% 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	$1,876.00 (+21.82%)	$91,900 Land $9,570 Building $82,330	$91,900 Land $9,570 Building $82,330
2024	$1,540.00
2023		$70,960 (+24.25%) Land $9,570 Building $61,390	$70,960 Land $9,570 Building $61,390
2022	$1,254.00	$57,110 Land $9,570 Building $47,540
2021			$57,110 Land $9,570 Building $47,540

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

Flood

FEMA maps place 325 Bates 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	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

Wildfire risk around 325 Bates St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 98.1% 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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