520 Johnson St, Waterloo, IA 50702 Property Records

Black Hawk County property record for 520 Johnson St, Waterloo, IA 50702 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,154 sqft · built 1929
Lot Size	0.186 acres (8,100 sqft)
Owner	Individual Name on File
Tax Bill	$1,384 (2025)
Deeds & Mortgages	Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-26-457-003`

Property Details

APN / Parcel Number

Primary APN	`8913-26-457-003`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,154 sqft Living Area
1st Floor Area	624 sqft
Basement Area	624 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1929
Exterior Material	Other
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,100 sqft (0.186 acres)
Lot Dimensions	162 ft deep x 50 ft wide
Porch	Slab
Porch Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	520 JOHNSON ST
City	WATERLOO
State	IA
Zip	50702-2212
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEAVITT JOHNSON AND MILLER ADD LOT 3 BLK 13
Legal Range	13W
Legal Township	89N
Legal Section	26
Legal Subdivision	LEAVITT JOHNSON AND MILLER ADD
Legal Block	13
Legal Lot Number	3
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1022
Census Tract	200

Owner

Source: Black Hawk County records · APN 8913-26-457-003

Assessment roll updated October 17, 2025 · Last verified June 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 File
Mailing Address	1030 S EVANS RD, EVANSDALE, IA 50707-1911
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Sep 20, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	520 JOHNSON ST, WATERLOO, IA 50702-2212
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1030 S EVANS RD, EVANSDALE, IA 50707-1911

Mortgage

Document Number	202100004506
Date	Aug 28, 2020
Instrument	202100004506

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 01, 2035

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Sep 01, 2030
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6.75%
Index	1-Year LIBOR
Max Rate	10.7%

Tax Assessment & Valuation

Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified June 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,384.00	$71,470 (+11.95%) Land $11,700 Building $59,770	$71,470 (+11.95%) Land $11,700 Building $59,770
2024	$1,384.00 (+10.72%)
2023		$63,840 (+12.1%) Land $11,700 Building $52,140	$63,840 (+12.1%) Land $11,700 Building $52,140
2022	$1,250.00	$56,950 Land $11,700 Building $45,250
2021			$56,950 Land $11,700 Building $45,250

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Black Hawk County (19013C), updated September 27, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AO, within 100 ft

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.