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425 Franklin St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 425 Franklin St, Waterloo, IA 50703

Property Summary

Property TypeOffice Building
Details14,922 sqft · built 1923
Lot Size0.545 acres (23,750 sqft)
OwnerCompany Name on Record
Last Sale$220,000 (Jul 2018)
Tax Bill$21,956 (2025)
Deeds & MortgagesJul 2018 Sale & Mortgage
Flood ZoneZone X (reduced by levee)
APN8913-24-352-006

Property Details

APN / Parcel Number

Primary APN8913-24-352-006

Interior

Units6 Units
Stories1 Story
Building Area14,922 sqft Gross Area
1st Floor Area10,086 sqft
FlooringTile
Interior WallsWallboard/Drywall
Overhead DoorOverhead Door

Exterior

Year BuiltBuilt 1923
Effective Year BuiltEffective 1923
Exterior MaterialBrick
Fire ResistanceFireproof Steel Frame
Roof MaterialUrethane Foam
Lot Area23,750 sqft (0.545 acres)
Total Buildings2 Buildings

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Street Address425 FRANKLIN ST
CityWATERLOO
StateIA
Zip50703-3500
Property CategoryCommercial
Property TypeCommercial > Office > Office Building
Legal DescriptionCOOLEY ADDITION SW 20 FT SE 100 FT LOT 4 BLK 62 NE 30 FT LOT 5 BLK 62 SELY 115 FT SWLY 1/2 LOT 5 BLK 62 SE 115 FT LOTS 8 & 9
Legal Range13W
Legal Township89N
Legal Section24
Legal SubdivisionCOOLEY ADDITION
Legal Block62
Legal Lot Number4-5,8-9
JurisdictionBLACK HAWK IA
Township / Civil DivisionWATERLOO
Census Block Group2
Census Block2010
Census Tract100

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic DistrictWithin the Walnut Street Historic District
listed 2019 · 90 contributing resources · NRIS 100004414

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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 RecordCompany Name on Record
Mailing Address215 E 4TH ST, WATERLOO, IA 50703-4701
Owner TypeCompany
VestingCompany

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 26, 2018 · Amount on Record
Deed SaleJul 26, 2018 · Amount on Record
Prior SaleOct 21, 2009 · Amount on Record
Deed Document Number2018201900001388
Record UpdatedOct 29, 2026

July 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBLACK HAWK IA
Recording DateJul 26, 2018
Property Address425 FRANKLIN ST, WATERLOO, IA 50703-3500
Document Number201900001388
Instrument DateJul 24, 2018
Instrument201900001388
Transaction TypeTransfer
Record UpdatedAug 9, 2022

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 596, WATERLOO, IA 50704-0596

Mortgage

Document Number201900001389
DateJul 26, 2018
Instrument201900001389
Lender
NameBANK IOWA
TypeBank
Agreement
AmountAmount Recorded
Term354 Months
DueJan 1, 2048

Tax Assessment & Valuation

Source: Black Hawk County assessment roll, as of October 17, 2025

Property Jurisdictions

TypeName
StateIowa
CountyBlack Hawk County
MunicipalityWaterloo City
Unified School DistrictWaterloo Community School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$21,956.00 (+256.31%)$608,100 (+175.58%) Land $71,250 Building $536,850$608,100 (+175.58%) Land $71,250 Building $536,850
2024$6,162.00 (-1.5%)
2023$220,660 (-4.85%) Land $71,250 Building $149,410$220,660 (-4.85%) Land $71,250 Building $149,410
2022$6,256.00$231,910 Land $47,500 Building $184,410
2021$231,910 Land $47,500 Building $184,410

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 ZoneZone X
reduced by levee · depends on levee performance
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies8 in force
Nearby Flood Claims2 (1978–1991)
Claims Outside the SFHA1 of 2
Most Recent ClaimMay 1991 · river or lake flooding

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 RiskNot 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 SystemWATERLOO WATER WORKS
serves 69,504 people · EPA ID IA0790074
Water SourceGroundwater
Last State InspectionNov 2023
Lead2 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 186 locations within half a mile, as of December 31, 2025

ProviderMax 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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