433 Oneida St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 433 Oneida St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,144 sqft · built 1911
Lot Size	0.143 acres (6,248 sqft)
Owner	Individual Name on Record
Last Sale	$37,000 (Jul 2008)
Tax Bill	$858 (2025)
Deeds & Mortgages	Feb 2024 Reverse Mortgage Aug 2012 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`8913-24-255-013`

Property Details

APN / Parcel Number

Primary APN	`8913-24-255-013`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,144 sqft Living Area
1st Floor Area	572 sqft
Basement Area	572 sqft
Unfinished Basement	572 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1911
Effective Year Built	Effective 1911
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	6,248 sqft (0.143 acres)
Lot Dimensions	142 ft deep x 44 ft wide

Exterior Amenities

Porch	Porch
Porch Area	186 sqft
Shed	1 Shed
Shed Area	144 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	433 ONEIDA ST
City	WATERLOO
State	IA
Zip	50703-2837
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOWREY & MCWILLIAMS ADDITION LOT 18 BLK 5
Legal Range	13W
Legal Township	89N
Legal Section	24
Legal Subdivision	HOWREY & MCWILLIAMS ADDITION
Legal Block	5
Legal Lot Number	18
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1069
Census Tract	1800

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	433 ONEIDA ST, WATERLOO, IA 50703-2837
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 13, 2024	Deed of Trust, Mortgage · Reverse Mortgage UNITE CU
Aug 16, 2012	Deed of Trust, Mortgage · Conventional Mortgage UNIVERSITY OF IOWA COMMUNITY CU
Jul 30, 2008	Deed of Trust, Mortgage CITY OF WATERLOO
Jul 17, 2008	Deed of Trust, Mortgage · Conventional Mortgage LIBERTY BANK FSB
Jul 31, 2008	Deed of Trust, Mortgage CITY OF WATERLOO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 17, 2008 · Amount on Record
Deed Sale	Jul 17, 2008 · Amount on Record
Deed Document Number	20082009001373
Prior Transfer Date	Jul 15, 2008
Prior Transfer Doc	2009001372
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	433 ONEIDA ST, WATERLOO, IA 50703-2837
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	433 ONEIDA ST, WATERLOO, IA 50703-2837

Mortgage

Document Number	202400010013
Date	Feb 13, 2024
Instrument	202400010013

Lender

Name	UNITE CU
Type	Credit Union
Address	802 W 29TH ST, CEDAR FALLS, IA 50613

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 15, 2039

August 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	433 ONEIDA ST, WATERLOO, IA 50703-2837
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2013003266
Date	Aug 16, 2012
Instrument	2013-003266

Lender

Name	UNIVERSITY OF IOWA COMMUNITY CU
Type	Credit Union
Address	IOWA CITY, IA 52246

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2042

July 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	433 ONEIDA ST, WATERLOO, IA 50703-2837
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2009002421
Date	Jul 30, 2008
Instrument	2009002421

Lender

Name	CITY OF WATERLOO

Agreement

Amount	Amount Recorded

July 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	433 ONEIDA ST, WATERLOO, IA 50703-2837
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2009001410
Date	Jul 17, 2008
Instrument	2009001410

Lender

Name	LIBERTY BANK FSB
Type	Bank
Address	WEST DES MOINES, IA 50266

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2038

July 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	433 ONEIDA ST, WATERLOO, IA 50703-2837
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2009002559
Date	Jul 31, 2008
Instrument	2009002559

Lender

Name	CITY OF WATERLOO
Address	WATERLOO, IA 50703

Agreement

Amount	Amount Recorded

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	$858.00 (+15.01%) Homeowner's exemption	$52,960 (+18.8%) Land $5,500 Building $47,460	$52,960 (+18.8%) Land $5,500 Building $47,460
2024	$746.00 (-29.02%)
2023		$44,580 (+29.78%) Land $5,500 Building $39,080	$44,580 (+29.78%) Land $5,500 Building $39,080
2022	$1,051.00	$34,350 Land $5,500 Building $28,850
2021			$34,350 Land $5,500 Building $28,850

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 minimal risk
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	Low lower than 99.1% of the US · lower than 91% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 261 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
AT&T Fixed Wireless	100 / 20

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

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