325 Halstead St, Waterloo, IA 50703 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,144 sqft · built 1911
Lot Size	0.124 acres (5,412 sqft)
Owner	2 Individual Names on Record
Tax Bill	$666 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Oct 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-24-258-013`

Property Details

APN / Parcel Number

Primary APN	`8913-24-258-013`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,144 sqft Living Area
1st Floor Area	572 sqft
Basement Area	572 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1911
Effective Year Built	Effective 1911
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	5,412 sqft (0.124 acres)
Lot Dimensions	132 ft deep x 41 ft wide
Porch	Porch
Porch Area	184 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	325 HALSTEAD ST
City	WATERLOO
State	IA
Zip	50703-2821
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOWREY & MCWILLIAMS ADDITION LOT 19 BLK 8
Legal Range	13W
Legal Township	89N
Legal Section	24
Legal Subdivision	HOWREY & MCWILLIAMS ADDITION
Legal Block	8
Legal Lot Number	19
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1074
Census Tract	1800

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	2 Individual Names on Record
Mailing Address	325 HALSTEAD ST, WATERLOO, IA 50703-2821
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2025	Deed of Trust, Mortgage · Commercial Mortgage IOWA HEARTLAND HABITAT FOR HUMANITY
Oct 12, 2022	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
May 26, 2021	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	325 HALSTEAD ST, WATERLOO, IA 50703-2821
Transaction Type	Mortgage
Record Updated	Jan 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	325 HALSTEAD ST, WATERLOO, IA 50703-2821

Mortgage

Document Number	0202519005
Date	Dec 29, 2025
Instrument	2025-19005

Lender

Name	IOWA HEARTLAND HABITAT FOR HUMANITY
Type	Private Party
Address	803 W 5TH ST, WATERLOO, IA 50702

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	122 Months
Due	Feb 1, 2036

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	325 HALSTEAD ST, WATERLOO, IA 50703-2821
Transaction Type	Mortgage
Record Updated	Oct 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	325 HALSTEAD ST, WATERLOO, IA 50703-2821

Mortgage

Document Number	202300006055
Date	Oct 12, 2022
Instrument	202300006055

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Oct 11, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	325 HALSTEAD ST, WATERLOO, IA 50703-2821
Transaction Type	Mortgage
Record Updated	Jun 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	325 HALSTEAD ST, WATERLOO, IA 50703-2821

Mortgage

Document Number	202100025032
Date	May 26, 2021
Instrument	202100025032

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount Recorded

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	$666.00 (+48.66%) Homeowner's exemption	$58,160 (+30.55%) Land $6,430 Building $51,730	$58,160 (+30.55%) Land $6,430 Building $51,730
2024	$448.00 (-28.43%)
2023		$44,550 (+19.31%) Land $6,430 Building $38,120	$44,550 (+19.31%) Land $6,430 Building $38,120
2022	$626.00 Homeowner's exemption	$37,340 Land $6,430 Building $30,910
2021			$37,340 Land $6,430 Building $30,910

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 99.8% 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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