346 Halstead St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 346 Halstead St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,092 sqft · built 1996
Lot Size	0.185 acres (8,052 sqft)
Owner	Individual Name on Record
Tax Bill	$2,756 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Oct 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`8913-24-259-033`

Property Details

APN / Parcel Number

Primary APN	`8913-24-259-033`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,092 sqft Living Area
1st Floor Area	1,092 sqft
Basement Area	1,092 sqft
Finished Basement	800 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,052 sqft (0.185 acres)
Lot Dimensions	132 ft deep x 61 ft wide
Garage Type	Detached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area
Patio Area	36 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	346 HALSTEAD ST
City	WATERLOO
State	IA
Zip	50703-2822
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOWREY & MCWILLIAMS ADDITION S 1/2 LOT 8 ALL LOT 9 BLK 9
Legal Range	13W
Legal Township	89N
Legal Section	24
Legal Subdivision	HOWREY & MCWILLIAMS ADDITION
Legal Block	9
Legal Lot Number	8,9
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1068
Census Tract	1800

Owner

Source: Black Hawk County records, as of October 21, 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	5844 INDEPENDENCE AVE, WATERLOO, IA 50703-9413
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
Oct 23, 2017	Special Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 28, 2023
Deed Sale	Jul 28, 2023
Deed Document Number	20231327
Prior Transfer Date	Jul 21, 2023
Prior Transfer Doc	0000001327
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	346 HALSTEAD ST, WATERLOO, IA 50703-2822
Transaction Type	Mortgage
Record Updated	Jul 8, 2022
Title Company	TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100000845
Date	Jul 13, 2020
Instrument	202100000845

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2035

October 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 23, 2017
Property Address	346 HALSTEAD ST, WATERLOO, IA 50703-2822
Document Number	201800007195
Instrument Date	Oct 19, 2017
Instrument	2018-00007195
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

Amount	Amount Recorded
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	346 HALSTEAD ST, WATERLOO, IA 50703-2822

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	$2,756.00 (+23.15%)	$135,000 (+30.86%) Land $9,570 Building $125,430	$135,000 (+30.86%) Land $9,570 Building $125,430
2024	$2,238.00 (+24.89%)
2023		$103,160 (+26.5%) Land $9,570 Building $93,590	$103,160 (+26.5%) Land $9,570 Building $93,590
2022	$1,792.00	$81,550 Land $9,570 Building $71,980
2021			$81,550 Land $9,570 Building $71,980

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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