332 Polk St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 332 Polk St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,074 sqft · built 1939
Lot Size	0.143 acres (6,250 sqft)
Owner	Individual Name on Record
Last Sale	$78,000 (Jun 2022)
Tax Bill	$1,450 (2025)
Deeds & Mortgages	Feb 2018 Mortgage Jun 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8912-30-134-007`

Property Details

APN / Parcel Number

Primary APN	`8912-30-134-007`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,074 sqft Living Area
1st Floor Area	520 sqft
Basement Area	840 sqft
Unfinished Basement	840 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Exterior Material	Asbestos
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
Porch	Porch
Porch Area	78 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	332 POLK ST
City	WATERLOO
State	IA
Zip	50703-4310
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HILLSIDE ADDITION WATERLOO LOT 3 BLK 12
Legal Range	12W
Legal Township	89N
Legal Section	30
Legal Subdivision	HILLSIDE ADDITION WATERLOO
Legal Block	12
Legal Lot Number	3
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	332 POLK ST, WATERLOO, IA 50703-4310
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 19, 2018	Deed of Trust, Mortgage VERIDIAN CREDIT UNION
Jun 1, 2022	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Feb 2, 2018	Executor's Deed, Transfer · ARM VERIDIAN CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2022 · Amount on Record
Deed Sale	Jun 1, 2022 · Amount on Record
Deed Document Number	202223291
Record Updated	Sep 20, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	332 POLK ST, WATERLOO, IA 50703-4310
Transaction Type	Mortgage
Record Updated	Jul 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800013559
Date	Feb 19, 2018
Instrument	201800013559

Lender

Name	VERIDIAN CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	119 Months
Due	Jan 1, 2028

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 1, 2022
Property Address	332 POLK ST, WATERLOO, IA 50703-4310
Document Number	202200023291
Instrument Date	May 27, 2022
Instrument	202200023291
Transaction Type	Transfer
Record Updated	Jul 8, 2022
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$124.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	332 POLK ST, WATERLOO, IA 50703-4310

Mortgage

Document Number	202200023292
Date	Jun 1, 2022
Instrument	202200023292

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Jun 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6%
Index	1-Year CMT
Max Rate	10%

Mortgage

Document Number	202200023293
Date	Jun 1, 2022
Instrument	202200023293

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 1, 2032

February 2018: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Feb 2, 2018
Property Address	332 POLK ST, WATERLOO, IA 50703-4310
Document Number	201800012820
Instrument Date	Jan 31, 2018
Instrument	201800012820
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	332 POLK ST, WATERLOO, IA 50703-4310

Mortgage

Document Number	201800012821
Date	Feb 2, 2018
Instrument	201800012821

Lender

Name	VERIDIAN CREDIT UNION
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	359 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.88%
Type Change Date	Feb 1, 2028
Index	Other

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	$1,450.00	$94,760 (+41.84%) Land $5,340 Building $89,420	$94,760 (+41.84%) Land $5,340 Building $89,420
2024	$1,450.00 (+14.53%)
2023		$66,810 (+15.91%) Land $5,340 Building $61,470	$66,810 (+15.91%) Land $5,340 Building $61,470
2022	$1,266.00 Homeowner's exemption	$57,640 Land $5,340 Building $52,300
2021			$57,640 Land $5,340 Building $52,300

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 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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