423 Edwards St, Waterloo, IA 50703 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,020 sqft · built 1919
Lot Size	0.14 acres (6,100 sqft)
Owner	Company Name on Record
Last Sale	$60,000 (Sep 2024)
Tax Bill	$948 (2025)
Deeds & Mortgages	Jan 2026 Transfer Sep 2023 Foreclosure + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`8913-23-208-006`

Property Details

APN / Parcel Number

Primary APN	`8913-23-208-006`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,020 sqft Living Area
1st Floor Area	1,020 sqft
Basement Area	1,020 sqft
Unfinished Basement	1,020 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1919
Effective Year Built	Effective 1919
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Hip
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	252 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	72 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	423 EDWARDS ST
City	WATERLOO
State	IA
Zip	50703-3633
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RICKER AND BRATNOBER LAND CO ADD LOT 10 BLK 10
Legal Range	13W
Legal Township	89N
Legal Section	23
Legal Subdivision	RICKER AND BRATNOBER LAND CO
Legal Block	10
Legal Lot Number	10
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2035
Census Tract	500

Owner

Source: Black Hawk County records, as of May 27, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	513 WASHINGTON ST, HUDSON, IA 50643-2202
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jan 8, 2026	Quit Claim Deed, Transfer Quitclaim
Sep 5, 2023	Legal Action/Court Order, Foreclosure · Stand-Alone First Mortgage LINCOLN SAVINGS BANK
Feb 18, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance GREENSTATE CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 5, 2024 · Amount on Record
Deed Sale	Sep 5, 2024 · Amount on Record
Prior Sale	Sep 5, 2023 · Amount on Record
Deed Document Number	20243326
Last Transfer Date	Jan 7, 2026
Transfer Doc	0202600277
Record Updated	Sep 20, 2026

January 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jan 8, 2026
Property Address	423 EDWARDS ST, WATERLOO, IA 50703-3633
Document Number	0202600277
Instrument Date	Jan 7, 2026
Instrument	2026-00277
Transaction Type	Transfer
Record Updated	Jan 19, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	513 WASHINGTON ST, HUDSON, IA 50643-2202

September 2023: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 5, 2023
Property Address	423 EDWARDS ST, WATERLOO, IA 50703-3633
Document Number	202400003326
Instrument Date	Aug 25, 2023
Instrument	202400003326
Transaction Type	Foreclosure
Record Updated	Jan 19, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$95.20
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	513 EASHINGTON STREET, HUDSON, IA 50643

Mortgage

Document Number	202400003327
Date	Sep 5, 2023
Instrument	202400003327

Lender

Name	LINCOLN SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	239 Months
Due	Aug 30, 2043

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	423 EDWARDS ST, WATERLOO, IA 50703-3633
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000014293
Date	Feb 18, 2020
Instrument	202000014293

Lender

Name	GREENSTATE CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Mar 1, 2030

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	$948.00 (+0.11%)	$61,530 (+40.83%) Land $6,240 Building $55,290	$61,530 (+40.83%) Land $6,240 Building $55,290
2024	$947.00 (+55.76%)
2023		$43,690 (+19.44%) Land $6,240 Building $37,450	$43,690 (+19.44%) Land $6,240 Building $37,450
2022	$608.00 Homeowner's exemption	$36,580 Land $6,240 Building $30,340
2021			$36,580 Land $6,240 Building $30,340

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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