433 James St, Waterloo, IA 50702 Property Records

Black Hawk County property record for 433 James St, Waterloo, IA 50702

Property Summary

Property Type	Warehouse, Storage
Details	2,000 sqft · built 1979
Lot Size	0.163 acres (7,100 sqft)
Owner	Company Name on Record
Last Sale	$82,500 (Oct 2023)
Tax Bill	$1,364 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Nov 2019 Refinance + 2 more
Flood Zone	Zone X (reduced by levee)
APN	`8913-36-226-017`

Property Details

APN / Parcel Number

Primary APN	`8913-36-226-017`

Interior

Stories	1 Story
Building Area	2,000 sqft Gross Area
1st Floor Area	2,000 sqft
Interior Walls	Unfinished
Overhead Door	Overhead Door

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Exterior Material	Concrete Block
Construction Type	Concrete Block
Fire Resistance	Wood or Wood & Steel Frame
Roof Material	Metal
Lot Area	7,100 sqft (0.163 acres)

Utilities, Heating & Cooling

Heating System	Radiant
Heating Fuel	Gas

Location & Zoning

Street Address	433 JAMES ST
City	WATERLOO
State	IA
Zip	50702-1319
Property Category	Industrial
Property Type	Industrial > Warehouse, Storage
Legal Description	ROOFFS ADDITION LOT 47
Legal Range	13W
Legal Township	89N
Legal Section	36
Legal Subdivision	ROOFFS ADDITION
Legal Lot Number	47
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2052
Census Tract	900

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	10011 FOX RD, JESUP, IA 50648-9634
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2022	Deed of Trust, Mortgage · Line of Credit FIRST BANK
Nov 27, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST NATIONAL BANK
Oct 13, 2022	Warranty Deed, Transfer
May 26, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 10, 2023 · Amount on Record
Deed Sale	Oct 10, 2023 · Amount on Record
Prior Sale	Oct 10, 2022 · Amount on Record
Deed Document Number	20235902
Prior Transfer Date	Oct 6, 2022
Prior Transfer Doc	0000006072
Record Updated	Sep 20, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	433 JAMES ST, WATERLOO, IA 50702
Transaction Type	Mortgage
Record Updated	Nov 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10011 FOX RD, JESUP, IA 50648-9634

Mortgage

Document Number	202300006297
Date	Oct 17, 2022
Instrument	202300006297

Lender

Name	FIRST BANK
Type	Bank
Address	CEDAR FALLS, IA 50613

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 10, 2052

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	433 JAMES ST, WATERLOO, IA 50702
Transaction Type	Mortgage
Record Updated	Oct 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000009911
Date	Nov 27, 2019
Instrument	202000009911

Lender

Name	FIRST NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 13, 2022
Property Address	433 JAMES ST, WATERLOO, IA 50702
Document Number	202300006072
Instrument Date	Oct 6, 2022
Instrument	202300006072
Transaction Type	Transfer
Record Updated	Oct 31, 2022

Transaction

Amount	Amount Recorded
Tax	$131.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10011 FOX RD, JESUP, IA 50648-9634

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 26, 2017
Property Address	433 JAMES ST, WATERLOO, IA 50702
Document Number	201700020680
Instrument Date	May 23, 2017
Instrument	2017-00020680
Transaction Type	Transfer
Record Updated	Oct 31, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1942, WATERLOO, IA 50704-1942

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	$1,364.00	$69,410 (+10.44%) Land $8,150 Building $61,260	$69,410 (+10.44%) Land $8,150 Building $61,260
2024	$1,364.00 (+21.14%)
2023		$62,850 (+22.51%) Land $8,150 Building $54,700	$62,850 (+22.51%) Land $8,150 Building $54,700
2022	$1,126.00	$51,300 Land $6,520 Building $44,780
2021			$51,300 Land $6,520 Building $44,780

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
Nearby Flood Policies	7 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 353 locations within half a mile, as of December 31, 2025

Provider	Max 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
GigFire Fixed Wireless	150 / 130
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink, Waterloo Fiber.

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