426 Denver St, Waterloo, IA 50701 Property Records

Black Hawk County property record for 426 Denver St, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,820 sqft · built 1907
Lot Size	0.18 acres (7,840 sqft)
Owner	Individual Name on File
Last Sale	$114,000 (Sep 2024)
Tax Bill	$1,698 (2025)
Deeds & Mortgages	Sep 2023 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`8913-26-353-006`

Property Details

APN / Parcel Number

Primary APN	`8913-26-353-006`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,820 sqft Living Area
1st Floor Area	728 sqft
Basement Area	728 sqft
Unfinished Basement	728 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1907
Effective Year Built	Effective 1907
Exterior Material	Other
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	7,840 sqft (0.18 acres)
Lot Dimensions	140 ft deep x 56 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	374 sqft
Patio Area	126 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	426 DENVER ST
City	WATERLOO
State	IA
Zip	50701-2726
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHITNEY AND SEDGWICKS ADDITION ALL LOT 2 BLK 12 EXC NW 4 FT
Legal Range	13W
Legal Township	89N
Legal Section	26
Legal Subdivision	WHITNEY AND SEDGWICKS ADDITION
Legal Block	12
Legal Lot Number	2
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1021
Census Tract	300

Owner

426 Denver St is owned and occupied by an individual who bought it in September 2024.

Source: Black Hawk County records, as of October 9, 2026

Owner of Record	Individual Name on File
Mailing Address	426 DENVER ST, WATERLOO, IA 50701-2726
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	Sep 26, 2024 · Amount on File
Deed Sale	Sep 26, 2024 · Amount on File
Prior Sale	Sep 26, 2023 · Amount on File
Deed Document Number	20244268
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 26, 2023
Property Address	426 DENVER ST, WATERLOO, IA 50701-2726
Document Number	202400004268
Instrument Date	Sep 11, 2023
Instrument	202400004268
Transaction Type	Construction Loan
Record Updated	Oct 20, 2023
Title Company	BLACK HAWK COUNTY ABSTRACT AND TITLE, BLACK HAWK ABSTRACT & TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$181.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	426 DENVER ST, WATERLOO, IA 50701-2726

Mortgage

Document Number	202400004269
Date	Sep 26, 2023
Instrument	202400004269

Lender

Name	LINCOLN SAVINGS BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 426 Denver St was $1,698, down 12.3% 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	$1,698.00 (-12.34%)	$83,180 Land $8,400 Building $74,780	$83,180 Land $8,400 Building $74,780
2024	$1,937.00
2023		$72,130 (+22.46%) Land $8,400 Building $63,730	$72,130 Land $8,400 Building $63,730
2022	$1,098.00 Homeowner's exemption	$58,900 Land $8,400 Building $50,500
2021			$58,900 Land $8,400 Building $50,500

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

Flood

FEMA maps place 426 Denver St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 27, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 426 Denver 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 734 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

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

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