405 Oneida St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 405 Oneida St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 997 sqft · built 1909
Lot Size	0.143 acres (6,248 sqft)
Owner	Company Name on Record
Last Sale	$30,000 (Nov 2023)
Tax Bill	$464 (2025)
Deeds & Mortgages	Mar 2023 Transfer Nov 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8913-24-255-019`

Property Details

APN / Parcel Number

Primary APN	`8913-24-255-019`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	997 sqft Living Area
1st Floor Area	528 sqft
Basement Area	528 sqft
Unfinished Basement	528 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,248 sqft (0.143 acres)
Lot Dimensions	142 ft deep x 44 ft wide
Porch	Porch
Porch Area	186 sqft
Deck Area	102 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	405 ONEIDA ST
City	WATERLOO
State	IA
Zip	50703-2837
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOWREY & MCWILLIAMS ADDITION LOT 12 BLK 5
Legal Range	13W
Legal Township	89N
Legal Section	24
Legal Subdivision	HOWREY & MCWILLIAMS ADDITION
Legal Block	5
Legal Lot Number	12
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1069
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	Company Name on Record
Mailing Address	405 ONEIDA ST, WATERLOO, IA 50703-2837
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2023	Quit Claim Deed, Transfer Quitclaim
Nov 14, 2022	Warranty Deed, Transfer TITLE SERVICES CORPORATION
Dec 3, 2018	Quit Claim Deed, Transfer Quitclaim
Feb 8, 2017	Special Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 14, 2023 · Amount on Record
Deed Sale	Nov 14, 2023 · Amount on Record
Prior Sale	Mar 3, 2023 · Amount on Record
Deed Document Number	20237673
Prior Transfer Date	Feb 24, 2023
Prior Transfer Doc	0000012032
Record Updated	Oct 29, 2026

March 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Mar 3, 2023
Property Address	405 ONEIDA ST, WATERLOO, IA 50703-2837
Document Number	202300012032
Instrument Date	Feb 24, 2023
Instrument	202300012032
Transaction Type	Transfer
Record Updated	Mar 22, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 ONEIDA ST, WATERLOO, IA 50703-2837

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 14, 2022
Property Address	405 ONEIDA ST, WATERLOO, IA 50703-2837
Document Number	202300007673
Instrument Date	Sep 29, 2022
Instrument	202300007673
Transaction Type	Transfer
Record Updated	Mar 22, 2023
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount Recorded
Tax	$47.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	21812 E NASSAU PL, WATERLOO, IA 50703

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 ONEIDA ST, WATERLOO, IA 50703-2837

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Dec 3, 2018
Property Address	405 ONEIDA ST, WATERLOO, IA 50703-2837
Document Number	201900008594
Instrument Date	Nov 20, 2018
Instrument	201900008594
Transaction Type	Transfer
Record Updated	Mar 22, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21812 E NASSAU PL, AURORA, CO 80018-3073

February 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Feb 8, 2017
Property Address	405 ONEIDA ST, WATERLOO, IA 50703-2837
Document Number	201700014163
Instrument Date	Feb 1, 2017
Instrument	2017-00014163
Transaction Type	Transfer
Record Updated	Mar 22, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 ONEIDA ST, WATERLOO, IA 50703-2837

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	$464.00 (+8.41%)	$22,730 (+15.44%) Land $5,500 Building $17,230	$22,730 (+15.44%) Land $5,500 Building $17,230
2024	$428.00 (+23.7%)
2023		$19,690 (+24.94%) Land $5,500 Building $14,190	$19,690 (+24.94%) Land $5,500 Building $14,190
2022	$346.00	$15,760 Land $5,500 Building $10,260
2021			$15,760 Land $5,500 Building $10,260

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 99.1% of the US · lower than 91% 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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