326 Polk St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 326 Polk St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,336 sqft · built 1952
Lot Size	0.143 acres (6,250 sqft)
Owner	Individual Name on Record
Last Sale	$85,500 (Mar 2023)
Tax Bill	$1,776 (2025)
Deeds & Mortgages	Mar 2018 Mortgage Mar 2023 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`8912-30-134-006`

Property Details

APN / Parcel Number

Primary APN	`8912-30-134-006`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,336 sqft Living Area
1st Floor Area	812 sqft
Attic	Attic
Attic Area	284 sqft
Basement Area	812 sqft
Finished Basement	336 sqft
Unfinished Basement	812 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,250 sqft (0.143 acres)
Lot Dimensions	125 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	96 sqft
Patio Area	32 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	326 POLK ST
City	WATERLOO
State	IA
Zip	50703-4310
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HILLSIDE ADDITION WATERLOO LOT 4 BLK 12
Legal Range	12W
Legal Township	89N
Legal Section	30
Legal Subdivision	HILLSIDE ADDITION WATERLOO
Legal Block	12
Legal Lot Number	4
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	3
Census Block	3011
Census Tract	1900

Owner

Source: Black Hawk County records, as of May 27, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	326 POLK ST, WATERLOO, IA 50703-4310
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 5, 2018	Deed of Trust, Mortgage VERIDIAN CREDIT UNION
Mar 14, 2023	Legal Action/Court Order, Foreclosure TITLE SERVICES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 14, 2023 · Amount on Record
Deed Sale	Mar 14, 2023 · Amount on Record
Deed Document Number	202312472
Record Updated	Sep 20, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	326 POLK ST, WATERLOO, IA 50703-4310
Transaction Type	Mortgage
Record Updated	Mar 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800014413
Date	Mar 5, 2018
Instrument	201800014413

Lender

Name	VERIDIAN CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	118 Months
Due	Jan 1, 2028

March 2023: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	BLACK HAWK IA
Recording Date	Mar 14, 2023
Property Address	326 POLK ST, WATERLOO, IA 50703-4310
Document Number	202300012472
Instrument Date	Mar 3, 2023
Instrument	202300012472
Transaction Type	Foreclosure
Record Updated	Mar 29, 2023
Title Company	TITLE SERVICES

Transaction

Amount	Amount Recorded
Tax	$136.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	326 POLK ST, WATERLOO, IA 50703-4310

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	$1,776.00 Homeowner's exemption	$130,280 (+41.42%) Land $5,340 Building $124,940	$130,280 (+41.42%) Land $5,340 Building $124,940
2024	$1,776.00 (+15.93%)
2023		$92,120 (+17.22%) Land $5,340 Building $86,780	$92,120 (+17.22%) Land $5,340 Building $86,780
2022	$1,532.00 Homeowner's exemption	$78,590 Land $5,340 Building $73,250
2021			$78,590 Land $5,340 Building $73,250

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 Claims	7 (1979)
Most Recent Claim	Apr 1979 · rainfall accumulation

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	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 571 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

May also be available: GigFire, Nextlink, Waterloo Fiber.

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