511 Washington St, Waterloo, IA 50701 Property Records

Black Hawk County property record for 511 Washington St, Waterloo, IA 50701

Property Summary

Property Type	Commercial
Details	3,416 sqft · built 1920
Lot Size	0.193 acres (8,400 sqft)
Owner	Company Name on File
Tax Bill	$2,824 (2025)
Deeds & Mortgages	Sep 2018 Mortgage Sep 2018 Sale & Mortgage
Flood Zone	Zone X (reduced by levee)
APN	`8913-26-232-016`

Property Details

APN / Parcel Number

Primary APN	`8913-26-232-016`

Interior

Stories	1 Story
Building Area	3,416 sqft Gross Area
Overhead Door	Overhead Door

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Metal
Construction Type	Frame
Roof Material	Wood
Lot Area	8,400 sqft (0.193 acres)
Lot Dimensions	140 ft deep x 60 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	511 WASHINGTON ST
City	WATERLOO
State	IA
Zip	50701-5501
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	ORIGINAL PLAT WATERLOO WEST LOT 8 BLK 16
Legal Range	13W
Legal Township	89N
Legal Section	26
Legal Subdivision	ORIGINAL PLAT WATERLOO WEST
Legal Block	16
Legal Lot Number	8
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2070
Census Tract	100

Owner

511 Washington St, a commercial property, is owned by a company.

Source: Black Hawk County records, as of September 1, 2026

Owner of Record	Company Name on File
Mailing Address	511 WASHINGTON ST, WATERLOO, IA 50701-5501
Owner Type	Company
Vesting	Company

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

Date	Document
Sep 27, 2018	Deed of Trust, Mortgage US BANK NA
Sep 27, 2018	Warranty Deed, Transfer US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	511 WASHINGTON ST, WATERLOO, IA 50701-5501
Transaction Type	Mortgage
Record Updated	Nov 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900005154
Date	Sep 27, 2018
Instrument	201900005154

Lender

Name	US BANK NA
Type	Bank

Agreement

Amount	Amount on Record

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 27, 2018
Property Address	511 WASHINGTON ST, WATERLOO, IA 50701-5501
Document Number	201900005152
Instrument Date	Sep 13, 2018
Instrument	201900005152
Transaction Type	Transfer
Record Updated	Nov 17, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 WASHINGTON ST, WATERLOO, IA 50701-5501

Mortgage

Document Number	201900005153
Date	Sep 27, 2018
Instrument	201900005153

Lender

Name	US BANK NA
Type	Bank

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 511 Washington St was $2,824, down 5.9% 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	$2,824.00 (-5.93%)	$138,380 Land $37,800 Building $100,580	$138,380 Land $37,800 Building $100,580
2024	$3,002.00
2023		$138,380 (+43.32%) Land $37,800 Building $100,580	$138,380 Land $37,800 Building $100,580
2022	$2,120.00	$96,550 Land $27,000 Building $69,550
2021			$96,550 Land $27,000 Building $69,550

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

Flood

FEMA maps place 511 Washington St in Zone X, where a levee reduces flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AO, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force
Nearby Flood Claims	2 (1978–1991)
Claims Outside the SFHA	1 of 2
Most Recent Claim	May 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

The area around 511 Washington 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 385 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	1,000 / 50

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

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