Black Hawk County property record for 412 Oneida St, Waterloo, IA 50703
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,144 sqft · built 1906 |
| Lot Size | 0.129 acres (5,640 sqft) |
| Owner | Company Name on Record |
| Last Sale | $32,500 (May 2011) |
| Tax Bill | $1,112 (2025) |
| Deeds & Mortgages | Mar 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 8913-24-258-003 |
| Primary APN | 8913-24-258-003 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,144 sqft Living Area |
| 1st Floor Area | 572 sqft |
| Basement Area | 572 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1906 |
|---|---|
| Effective Year Built | Effective 1906 |
| Exterior Material | Composition/Composite |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,640 sqft (0.129 acres) |
| Lot Dimensions | 120 ft deep x 47 ft wide |
| Porch | Porch |
| Porch Area | 66 sqft |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Street Address | 412 ONEIDA ST |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50703-2838 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOWREY & MCWILLIAMS ADDITION LOT 4 BLK 8 |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 24 |
| Legal Subdivision | HOWREY & MCWILLIAMS ADDITION |
| Legal Block | 8 |
| Legal Lot Number | 4 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1074 |
| Census Tract | 1800 |
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 Record |
|---|---|
| Mailing Address | 128 MOREHOUSE ST, EVANSDALE, IA 50707-1027 |
| Owner Type | Company |
| Vesting | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 31, 2011 · Amount on Record |
| Deed Sale | May 31, 2011 · Amount on Record |
| Prior Sale | Dec 11, 2007 · Amount on Record |
| Deed Document Number | 201122628 |
| Prior Transfer Date | May 23, 2011 |
| Prior Transfer Doc | 0000022627 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 412 ONEIDA ST, WATERLOO, IA 50703-2838 |
| Transaction Type | Mortgage |
| Record Updated | Feb 19, 2026 |
| Name | Verified Name |
|---|
| Document Number | 202300012807 |
|---|---|
| Date | Mar 22, 2023 |
| Instrument | 2023-00012807 |
| Name | DENVER SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | 121 S STATE ST, DENVER, IA 50622 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 20, 2053 |
| Change Frequency | Monthly |
|---|
Source: Black Hawk County assessment roll, as of October 17, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,112.00 (+22.2%) | $54,440 (+29.65%) Land $7,140 Building $47,300 | $54,440 (+29.65%) Land $7,140 Building $47,300 |
| 2024 | $910.00 (+17.27%) | ||
| 2023 | $41,990 (+18.92%) Land $7,140 Building $34,850 | $41,990 (+18.92%) Land $7,140 Building $34,850 | |
| 2022 | $776.00 | $35,310 Land $7,140 Building $28,170 | |
| 2021 | $35,310 Land $7,140 Building $28,170 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures