518 E 2nd St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 518 E 2nd St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,656 sqft · built 1894
Lot Size	0.081 acres (3,525 sqft)
Owner	Company Name on Record
Last Sale	$55,000 (Apr 2026)
Tax Bill	$1,584 (2025)
Deeds & Mortgages	Dec 2019 Refinance Nov 2022 Line of Credit + 6 more
Flood Zone	Zone X (reduced by levee)
APN	`8913-24-312-015`

Property Details

APN / Parcel Number

Primary APN	`8913-24-312-015`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,656 sqft Living Area
1st Floor Area	702 sqft
Basement Area	954 sqft
Unfinished Basement	954 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1894
Effective Year Built	Effective 1894
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	3,525 sqft (0.081 acres)
Lot Dimensions	75 ft deep x 47 ft wide

Exterior Amenities

Porch	Slab
Porch Area	176 sqft
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	518 E 2ND ST
City	WATERLOO
State	IA
Zip	50703-3510
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COOLEY ADDITION SW 37 FT NW 1/2 LOT 3 BLK 63 NE 10 FT NW 1/2 LOT 6 BLK 63
Legal Range	13W
Legal Township	89N
Legal Section	24
Legal Subdivision	COOLEY ADDITION
Legal Block	63
Legal Lot Number	3,6
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2011
Census Tract	100

Historic Designation

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

Historic District	Within 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 Record	Company Name on Record
Mailing Address	1505 KELLIE AVE SW, INDEPENDENCE, IA 50644-9615
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Dec 26, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance VERIDIAN CREDIT UNION
Nov 28, 2022	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Mar 14, 2014	Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF IOWA COMMUNITY CU
Apr 30, 2026	Special Warranty Deed, Transfer · Line of Credit BANKIOWA
Dec 9, 2025	Special Warranty Deed, Foreclosure
Nov 14, 2025	Sheriff's Deed, Foreclosure
Feb 11, 2026	Special Warranty Deed, Transfer
Jan 6, 2010	Warranty Deed, Transfer TITLE SERVICES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 30, 2026 · Amount on Record
Deed Sale	Apr 30, 2026 · Amount on Record
Prior Sale	Feb 11, 2026 · Amount on Record
Deed Document Number	20266050
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	518 E 2ND ST, WATERLOO, IA 50703-3510
Transaction Type	Mortgage
Record Updated	May 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20202000011550
Date	Dec 26, 2019
Instrument	20202000011550

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	518 E 2ND ST, WATERLOO, IA 50703-3510
Transaction Type	Mortgage
Record Updated	May 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	518 E 2ND ST, WATERLOO, IA 50703-3510

Mortgage

Document Number	202300008296
Date	Nov 28, 2022
Instrument	202300008296

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Nov 27, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	518 E 2ND ST, WATERLOO, IA 50703-3510
Transaction Type	Mortgage
Record Updated	May 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2014016608
Date	Mar 14, 2014
Instrument	2014016608

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	58 Months
Due	Jan 15, 2019

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 30, 2026
Property Address	518 E 2ND ST, WATERLOO, IA 50703-3510
Document Number	0000006050
Instrument Date	Apr 23, 2026
Instrument	2026.6050
Transaction Type	Transfer
Record Updated	May 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$8,807.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	1505 KELLIE AVE SW, INDEPENDENCE, IA 50644-9615
Investor	Possibly a Property Investor

Mortgage

Document Number	0000006223,
Date	Apr 30, 2026
Instrument	2026.6223

Lender

Name	BANKIOWA

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 30, 2056

Interest

Rate	6.22%
Max Rate	-1%

December 2025: Special Warranty Deed, Foreclosure

Document Type	Special Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Dec 9, 2025
Property Address	518 E 2ND ST, WATERLOO, IA 50703-3510
Document Number	0202518096
Instrument Date	Dec 3, 2025
Instrument	2025-18096
Transaction Type	Foreclosure
Record Updated	May 20, 2026

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	565 W MYRTLE ST # ST100, ST100, BOISE, ID 83702-7675

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7730 S UNION PARK AVE STE 400, 400, MIDVALE, UT 84047-5560
Mail Care Of	RADIAN REAL ESTATE MANAGEMENT
Investor	Possibly a Property Investor

November 2025: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 14, 2025
Property Address	518 E 2ND ST, WATERLOO, IA 50703-3510
Document Number	0202516686
Instrument Date	Nov 5, 2025
Instrument	2025-16686
Transaction Type	Foreclosure
Record Updated	May 20, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	565 W MYRTLE ST # 100, 100, BOISE, ID 83702-7675

February 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Feb 11, 2026
Property Address	518 E 2ND ST, WATERLOO, IA 50703-3510
Document Number	0202601827
Instrument Date	Jan 16, 2024
Instrument	2026-01827
Transaction Type	Transfer
Record Updated	May 20, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6555 EXCELLENCE WAY, PLANO, TX 75023-1202

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 BLOOMINGDALE RD STE 304, 304, WHITE PLAINS, NY 10605-1551
Investor	Possibly a Property Investor

January 2010: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jan 6, 2010
Property Address	518 E 2ND ST, WATERLOO, IA 50703-3510
Document Number	2010013090
Instrument Date	Jan 4, 2010
Instrument	2010013090
Transaction Type	Transfer
Record Updated	May 20, 2026
Title Company	TITLE SERVICES

Transaction

Amount	Amount Recorded
Tax	$6.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	518 E 2ND ST

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	$1,584.00 (+5.67%) Homeowner's exemption	$77,640 (+38.3%) Land $4,290 Building $73,350	$77,640 (+38.3%) Land $4,290 Building $73,350
2024	$1,499.00 (-8.09%)
2023		$56,140 (+9.37%) Land $4,290 Building $51,850	$56,140 (+9.37%) Land $4,290 Building $51,850
2022	$1,631.00	$51,330 Land $4,290 Building $47,040
2021			$51,330 Land $4,290 Building $47,040

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	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

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 279 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

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

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