423 E Arlington St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 423 E Arlington St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 976 sqft · built 1973
Lot Size	0.163 acres (7,100 sqft)
Owner	Individual Name on Record
Last Sale	$115,000 (Jan 2023)
Tax Bill	$1,998 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage May 2017 Line of Credit + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`8913-13-304-012`

Property Details

APN / Parcel Number

Primary APN	`8913-13-304-012`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	976 sqft Living Area
1st Floor Area	976 sqft
Basement Area	976 sqft
Finished Basement	850 sqft
Unfinished Basement	976 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Split Foyer
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,100 sqft (0.163 acres)
Lot Dimensions	50 ft deep x 142 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area
Patio Area	40 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	423 E ARLINGTON ST
City	WATERLOO
State	IA
Zip	50703-2507
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GATES PARK PLACE LOT 12 BLK 4
Legal Range	13W
Legal Township	89N
Legal Section	13
Legal Subdivision	GATES PARK PLACE
Legal Block	4
Legal Lot Number	12
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2019
Census Tract	1701

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	423 E ARLINGTON ST, WATERLOO, IA 50703-2507
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2023	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
May 25, 2017	Deed of Trust, Mortgage · Line of Credit UNI CREDIT UNION
Mar 28, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 13, 2023 · Amount on Record
Deed Sale	Jan 13, 2023 · Amount on Record
Prior Sale	Mar 28, 2022 · Amount on Record
Deed Document Number	20239903
Record Updated	Oct 29, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jan 13, 2023
Property Address	423 E ARLINGTON ST, WATERLOO, IA 50703-2507
Document Number	202300009903
Instrument Date	Jan 13, 2023
Instrument	202300009903
Transaction Type	Transfer
Record Updated	Feb 3, 2023
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$183.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	423 E ARLINGTON ST, WATERLOO, IA 50703-2507

Mortgage

Document Number	202300009904
Date	Jan 13, 2023
Instrument	202300009904

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	423 E ARLINGTON ST, WATERLOO, IA 50703-2507
Transaction Type	Mortgage
Record Updated	Apr 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700020513
Date	May 25, 2017
Instrument	2017-00020513

Lender

Name	UNI CREDIT UNION
Address	CEDAR FALLS, IA 50613

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	61 Months
Due	Jun 3, 2022

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Mar 28, 2022
Property Address	423 E ARLINGTON ST, WATERLOO, IA 50703-2507
Document Number	202200018891
Instrument Date	Mar 25, 2022
Instrument	202200018891
Transaction Type	Transfer
Record Updated	Apr 11, 2022

Transaction

Amount	Amount Recorded
Tax	$115.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	423 E ARLINGTON ST, WATERLOO, IA 50703-2507

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	$1,998.00 (+14.3%) Homeowner's exemption	$108,780 (+19.84%) Land $6,710 Building $102,070	$108,780 (+19.84%) Land $6,710 Building $102,070
2024	$1,748.00 (+22.75%)
2023		$90,770 (+40.01%) Land $6,710 Building $84,060	$90,770 (+40.01%) Land $6,710 Building $84,060
2022	$1,424.00 Homeowner's exemption	$64,830 Land $6,710 Building $58,120
2021			$64,830 Land $6,710 Building $58,120

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

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 100 ft
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

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 349 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
AT&T Fixed Wireless	100 / 20

May also be available: CenturyLink, GigFire, Nextlink, T-Mobile.

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