405 Poplar Ave, Waterloo, IA 50703 Property Records

Black Hawk County property record for 405 Poplar Ave, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,132 sqft · built 1914
Lot Size	0.073 acres (3,200 sqft)
Owner	Individual Name on Record
Last Sale	$104,000 (May 2024)
Tax Bill	$1,310 (2025)
Deeds & Mortgages	May 2024 Sale & Mortgage Jun 2022 Sale & Mortgage
Flood Zone	Zone X (reduced by levee)
APN	`8913-15-454-003`

Property Details

APN / Parcel Number

Primary APN	`8913-15-454-003`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,132 sqft Living Area
1st Floor Area	380 sqft
Basement Area	548 sqft
Unfinished Basement	548 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1914
Effective Year Built	Effective 1914
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,200 sqft (0.073 acres)
Lot Dimensions	80 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	216 sqft
Parking Spaces	1 Parking Space
Deck Area	131 sqft
Patio Area	131 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	405 POPLAR AVE
City	WATERLOO
State	IA
Zip	50703-5561
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CEDAR RIVER PARK LOT 2 BLK 9
Legal Range	13W
Legal Township	89N
Legal Section	15
Legal Subdivision	CEDAR RIVER PARK
Legal Block	9
Legal Lot Number	2
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1031
Census Tract	1600

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	Individual Name on Record
Mailing Address	405 POPLAR AVE, WATERLOO, IA 50703-5561
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 9, 2024	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU
Jun 15, 2022	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 9, 2024 · Amount on Record
Deed Sale	May 9, 2024 · Amount on Record
Prior Sale	Jun 15, 2022 · Amount on Record
Deed Document Number	202414010
Record Updated	Oct 29, 2026

May 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 9, 2024
Property Address	405 POPLAR AVE, WATERLOO, IA 50703-5561
Document Number	202400014010
Instrument Date	Apr 11, 2024
Instrument	202400014010
Transaction Type	Transfer
Record Updated	Oct 17, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$165.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 POPLAR AVE, WATERLOO, IA 50703-5561

Mortgage

Document Number	0202414011
Date	May 9, 2024
Instrument	2024-14011

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2054

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 15, 2022
Property Address	405 POPLAR AVE, WATERLOO, IA 50703-5561
Document Number	202200024337
Instrument Date	Jun 9, 2022
Instrument	202200024337
Transaction Type	Transfer
Record Updated	Jun 29, 2022
Title Company	BLACK HAWK CNTY ABSTRACT CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$148.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 POPLAR AVE, WATERLOO, IA 50703-5561

Mortgage

Document Number	202200024338
Date	Jun 15, 2022
Instrument	202200024338

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Jul 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6.25%
Index	1-Year CMT
Max Rate	10.2%

Mortgage

Document Number	202200024339
Date	Jun 15, 2022
Instrument	202200024339

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jul 1, 2032

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	$1,310.00 (+4.47%) Homeowner's exemption	$75,120 (+10.39%) Land $7,900 Building $67,220	$75,120 (+10.39%) Land $7,900 Building $67,220
2024	$1,254.00 (+45.81%)
2023		$68,050 (+41.74%) Land $7,900 Building $60,150	$68,050 (+41.74%) Land $7,900 Building $60,150
2022	$860.00	$48,010 Land $7,900 Building $40,110
2021			$48,010 Land $7,900 Building $40,110

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 reduced by levee · depends on levee performance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	58 (1983–2016)
Claims Outside the SFHA	17 of 58
Most Recent Claim	Sep 2016 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2016 · 20 claims Severe Storms, Tornadoes, And Flooding, Jun 2008 · 18 claims Severe Storms & Flooding, Aug 1993 · 15 claims

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 97% of the US · lower than 76% 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 375 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: GigFire, Nextlink.

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