415 Florence St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 415 Florence St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 919 sqft · built 1906
Lot Size	0.15 acres (6,550 sqft)
Owner	Individual Name on File
Last Sale	$30,500 (Nov 2021)
Tax Bill	$1,046 (2025)
Deeds & Mortgages	Nov 2020 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`8913-24-478-008`

Property Details

APN / Parcel Number

Primary APN	`8913-24-478-008`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	919 sqft Living Area
1st Floor Area	703 sqft
Basement Area	703 sqft
Unfinished Basement	703 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1906
Effective Year Built	Effective 1906
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	6,550 sqft (0.15 acres)
Lot Dimensions	131 ft deep x 50 ft wide
Porch	Porch
Porch Area	216 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	415 FLORENCE ST
City	WATERLOO
State	IA
Zip	50703-4068
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	G ROBINSONS ADDITION LOT 20
Legal Range	13W
Legal Township	89N
Legal Section	24
Legal Subdivision	G ROBINSONS ADDITION
Legal Lot Number	20
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1005
Census Tract	700

Owner

415 Florence St is owned and occupied by an individual who bought it in November 2021.

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

Owner of Record	Individual Name on File
Mailing Address	415 FLORENCE ST, WATERLOO, IA 50703-4068
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 2, 2021 · Amount on File
Deed Sale	Nov 2, 2021 · Amount on File
Prior Sale	Nov 2, 2020 · Amount on File
Deed Document Number	20219563
Prior Transfer Date	Oct 29, 2020
Prior Transfer Doc	2100009563
Record Updated	Oct 29, 2026

November 2020: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 2, 2020
Property Address	415 FLORENCE ST, WATERLOO, IA 50703-4068
Document Number	202100009563
Instrument Date	Oct 29, 2020
Instrument	202100009563
Transaction Type	Foreclosure
Record Updated	Aug 10, 2023
Title Company	TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$47.20
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 FLORENCE ST, WATERLOO, IA 50703-4068

Mortgage

Document Number	202100009564
Date	Nov 2, 2020
Instrument	202100009564

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 415 Florence St was $1,046, up 31.1% 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	$1,046.00 (+31.08%)	$51,210 Land $5,640 Building $45,570	$51,210 Land $5,640 Building $45,570
2024	$798.00
2023		$36,780 (+1.35%) Land $5,640 Building $31,140	$36,780 Land $5,640 Building $31,140
2022	$796.00	$36,290 Land $5,640 Building $30,650
2021			$36,290 Land $5,640 Building $30,650

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 415 Florence St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.

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 Claims	2 (1979–1980)
Most Recent Claim	Jun 1980 · rainfall accumulation

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 415 Florence 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 332 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.

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