421 Minnesota St, Waterloo, IA 50702 Property Records

Black Hawk County property record for 421 Minnesota St, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 864 sqft · built 1961
Lot Size	0.146 acres (6,350 sqft)
Owner	Individual Name on File
Last Sale	$120,000 (Apr 2018)
Tax Bill	$2,530 (2025)
Deeds & Mortgages	Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-36-130-016`

Property Details

APN / Parcel Number

Primary APN	`8913-36-130-016`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	864 sqft Living Area
1st Floor Area	864 sqft
Basement Area	864 sqft
Finished Basement	325 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	6,350 sqft (0.146 acres)
Lot Dimensions	50 ft deep x 127 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	190 sqft
Patio Area	292 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	421 MINNESOTA ST
City	WATERLOO
State	IA
Zip	50702-1717
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KENWOOD PARK LOT 261
Legal Range	13W
Legal Township	89N
Legal Section	36
Legal Subdivision	KENWOOD PARK
Legal Lot Number	261
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2001
Census Tract	1000

Owner

421 Minnesota St is owned and occupied by an individual who bought it in April 2018.

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

Owner of Record	Individual Name on File
Mailing Address	421 MINNESOTA ST, WATERLOO, IA 50702-1717
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	Apr 30, 2018 · Amount on File
Deed Sale	Apr 30, 2018 · Amount on File
Prior Sale	Aug 27, 2015 · Amount on File
Deed Document Number	201817718
Record Updated	Oct 29, 2026

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 30, 2018
Property Address	421 MINNESOTA ST, WATERLOO, IA 50702-1717
Document Number	201800017718
Instrument Date	Apr 27, 2018
Instrument	201800017718
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 MINNESOTA ST, WATERLOO, IA 50702-1717

Mortgage

Document Number	201800017719
Date	Apr 30, 2018
Instrument	201800017719

Lender

Name	VERIDIAN CREDIT UNION
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	357 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	May 1, 2028
Index	1-Year CMT

Tax Assessment & Valuation

The 2025 property tax bill for 421 Minnesota St was $2,530 with a homeowner's exemption, down 5.5% 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	$2,530.00 (-5.53%) Homeowner's exemption	$134,830 Land $16,720 Building $118,110	$134,830 Land $16,720 Building $118,110
2024	$2,678.00
2023		$133,670 (+35.6%) Land $16,720 Building $116,950	$133,670 Land $16,720 Building $116,950
2022	$1,970.00 Homeowner's exemption	$98,580 Land $16,720 Building $81,860
2021			$98,580 Land $16,720 Building $81,860

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

Flood

FEMA maps place 421 Minnesota St in Zone X, an area of minimal flood risk.

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

The area around 421 Minnesota 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 302 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Waterloo Fiber Fiber	10,000 / 10,000
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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