409 Edwards St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 409 Edwards St, Waterloo, IA 50703

Property Summary

Property Type	Duplex
Details	3 bd · 2.5 ba · 1,299 sqft · built 1899
Lot Size	0.14 acres (6,100 sqft)
Owner	Company Name on File
Last Sale	$65,000 (Dec 2005)
Tax Bill	$1,054 (2025)
Deeds & Mortgages	Nov 2019 Refinance Jul 2019 Foreclosure
Flood Zone	Zone X (reduced by levee)
APN	`8913-23-208-009`

Property Details

APN / Parcel Number

Primary APN	`8913-23-208-009`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,299 sqft Total Area
1st Floor Area	588 sqft
Basement Area	473 sqft
Unfinished Basement	473 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1899
Effective Year Built	Effective 1899
Architectural Style	Duplex Single
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,100 sqft (0.14 acres)
Lot Dimensions	122 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	409 EDWARDS ST
City	WATERLOO
State	IA
Zip	50703-3633
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	RICKER AND BRATNOBER LAND CO ADD LOT 13 BLK 10
Legal Range	13W
Legal Township	89N
Legal Section	23
Legal Subdivision	RICKER AND BRATNOBER LAND CO
Legal Block	10
Legal Lot Number	13
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2035
Census Tract	500

Owner

409 Edwards St, a duplex, is owned by a company that bought it in December 2005.

Source: Black Hawk County records, as of September 1, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on File
Mailing Address	2560 51ST STREET DR, BRANDON, IA 52210-9634
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance KERDNT BROTHERS BANK
Jul 2, 2019	Warranty Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 12, 2005 · Amount on File
Deed Sale	Dec 12, 2005 · Amount on File
Deed Document Number	20052006014874
Record Updated	Oct 29, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	409 EDWARDS ST, WATERLOO, IA 50703-3633
Transaction Type	Mortgage
Record Updated	Dec 4, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000008484
Date	Nov 7, 2019
Instrument	202000008484

Lender

Name	KERDNT BROTHERS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

July 2019: Warranty Deed, Foreclosure

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jul 2, 2019
Property Address	409 EDWARDS ST, WATERLOO, IA 50703-3633
Document Number	202000000123
Instrument Date	Apr 29, 2019
Instrument	202000000123
Transaction Type	Foreclosure
Record Updated	Feb 10, 2022

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	2401 NW 23RD ST STE 1D, 1D, OKLAHOMA CITY, OK 73107-2420
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 409 Edwards St was $1,054, up 32.7% from the year before.

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	$1,054.00 (+32.75%)	$51,630 Land $6,240 Building $45,390	$51,630 Land $6,240 Building $45,390
2024	$794.00
2023		$36,640 (+19.7%) Land $6,240 Building $30,400	$36,640 Land $6,240 Building $30,400
2022	$672.00	$30,610 Land $6,240 Building $24,370
2021			$30,610 Land $6,240 Building $24,370

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

Flood

FEMA maps place 409 Edwards St in Zone X, where a levee reduces flood risk, though there have been 10 flood claims nearby since 1998.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	10 (1998–2016)
Most Recent Claim	Sep 2016 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2016 · 2 claims Severe Storms, Tornadoes, And Flooding, Jun 2008 · 6 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

The area around 409 Edwards St has no burnable land within ember reach, so its wildfire risk is not rated.

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 220 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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