520 E Dale St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 520 E Dale St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,358 sqft · built 1959
Lot Size	0.304 acres (13,250 sqft)
Owner	Individual Name on File
Last Sale	$110,000 (Apr 2023)
Tax Bill	$2,852 (2025)
Deeds & Mortgages	Sep 2017 Mortgage Oct 2018 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`8913-13-131-002`

Property Details

APN / Parcel Number

Primary APN	`8913-13-131-002`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,358 sqft Living Area
1st Floor Area	1,358 sqft
Basement Area	1,358 sqft
Finished Basement	350 sqft
Unfinished Basement	1,358 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,250 sqft (0.304 acres)
Lot Dimensions	100 ft deep x 133 ft wide
Garage Type	Mixed
Garage Area	932 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	100 sqft
Deck Area	312 sqft
Patio Area	312 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	520 E DALE ST
City	WATERLOO
State	IA
Zip	50703-2043
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NORTH WATERLOO PLACE LOT 23 BLK 6 LOT 24 BLK 6
Legal Range	13W
Legal Township	89N
Legal Section	13
Legal Subdivision	NORTH WATERLOO PLACE
Legal Block	6
Legal Lot Number	23,24
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2026
Census Tract	1702

Owner

520 E Dale St is owned and occupied by an individual who bought it in April 2023.

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

Owner of Record	Individual Name on File
Mailing Address	520 E DALE ST, WATERLOO, IA 50703-2043
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

Date	Document
Sep 21, 2017	Deed of Trust, Mortgage VERIDIAN CU
Oct 15, 2018	Deed of Trust, Mortgage VERIDIAN CREDIT UNION
Jun 7, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VERIDIAN CU
Jun 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
Apr 25, 2023	Legal Action/Court Order, Foreclosure · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 25, 2023 · Amount on File
Deed Sale	Apr 25, 2023 · Amount on File
Prior Sale	Aug 1, 2007 · Amount on File
Deed Document Number	202314296
Record Updated	Oct 29, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	520 E DALE ST, WATERLOO, IA 50703-2043
Transaction Type	Mortgage
Record Updated	Aug 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800005230
Date	Sep 21, 2017
Instrument	2018-00005230

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Amount	Amount on Record
Term	60 Months
Due	Sep 25, 2022

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	520 E DALE ST, WATERLOO, IA 50703-2043
Transaction Type	Mortgage
Record Updated	Aug 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900006180
Date	Oct 15, 2018
Instrument	201900006180

Lender

Name	VERIDIAN CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount on Record
Term	111 Months
Due	Jan 1, 2028

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	520 E DALE ST, WATERLOO, IA 50703-2043
Transaction Type	Mortgage
Record Updated	Aug 10, 2023
Title Company	TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 E DALE ST, WATERLOO, IA 50703-2043

Mortgage

Document Number	202100025731
Date	Jun 7, 2021
Instrument	202100025731

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	85 Months
Due	Jul 1, 2028

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	520 E DALE ST, WATERLOO, IA 50703-2043
Transaction Type	Mortgage
Record Updated	Aug 10, 2023
Title Company	TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 E DALE ST, WATERLOO, IA 50703-2043

Mortgage

Document Number	202100025732
Date	Jun 7, 2021
Instrument	202100025732

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	Jul 1, 2028
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.62%
Index	1-Year CMT
Max Rate	9.62%

April 2023: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 25, 2023
Property Address	520 E DALE ST, WATERLOO, IA 50703-2043
Document Number	202300014296
Instrument Date	Apr 7, 2023
Instrument	202300014296
Transaction Type	Foreclosure
Record Updated	Aug 10, 2023
Title Company	TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$175.20
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 E DALE ST, WATERLOO, IA 50703-2043

Mortgage

Document Number	202300014297
Date	Apr 25, 2023
Instrument	202300014297

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 520 E Dale St was $2,852 with a homeowner's exemption, up 21.9% 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	$2,852.00 (+21.88%) Homeowner's exemption	$150,680 Land $19,960 Building $130,720	$150,680 Land $19,960 Building $130,720
2024	$2,340.00
2023		$117,820 (+8.62%) Land $19,960 Building $97,860	$117,820 Land $19,960 Building $97,860
2022	$2,382.00 Homeowner's exemption	$108,470 Land $19,960 Building $88,510
2021			$108,470 Land $19,960 Building $88,510

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

Flood

FEMA maps place 520 E Dale St in Zone X, an area of minimal flood risk, within 500 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 minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2010 · Severe Storms, Flooding, And Tornadoes

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

Wildfire risk around 520 E Dale St is low, with less than a 0.01% annual chance of 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 141 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink.

Nearby Properties on E Dale St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures