Black Hawk County property record for 522 Denver St, Waterloo, IA 50702
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2.5 ba · 1,920 sqft · built 1906 |
| Lot Size | 0.17 acres (7,420 sqft) |
| Owner | Individual Name on File |
| Last Sale | $56,000 (Mar 2014) |
| Tax Bill | $2,082 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 8913-26-359-009 |
| Primary APN | 8913-26-359-009 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 1,920 sqft Total Area |
| 1st Floor Area | 960 sqft |
| Basement Area | 960 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1906 |
|---|---|
| Effective Year Built | Effective 1906 |
| Architectural Style | Duplex Single |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 7,420 sqft (0.17 acres) |
| Lot Dimensions | 140 ft deep x 53 ft wide |
| Porch | Porch |
| Porch Area | 184 sqft |
| Patio Area | 84 sqft |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Street Address | 522 DENVER ST |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50702-2940 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | COLES ADDITION LOT 7 BLK 1 |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 26 |
| Legal Subdivision | COLES ADDITION |
| Legal Block | 1 |
| Legal Lot Number | 7 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 200 |
522 Denver St, a duplex, is owned by an individual who bought it in March 2014.
Source: Black Hawk County records, as of September 1, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 444 ELMINGTON AVE, 420, NASHVILLE, TN 37205-5171 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 4, 2014 · Amount on File |
| Deed Sale | Mar 4, 2014 · Amount on File |
| Prior Sale | Apr 1, 2008 · Amount on File |
| Deed Document Number | 201416011 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 522 Denver St was $2,082, down 16.9% from the year before.
Source: Black Hawk County assessment roll, as of October 17, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,082.00 (-16.85%) | $102,010 Land $11,930 Building $90,080 | $102,010 Land $11,930 Building $90,080 |
| 2024 | $2,504.00 | ||
| 2023 | $91,050 (+46.36%) Land $11,930 Building $79,120 | $91,050 Land $11,930 Building $79,120 | |
| 2022 | $1,366.00 | $62,210 Land $11,930 Building $50,280 | |
| 2021 | $62,210 Land $11,930 Building $50,280 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 522 Denver St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1980.
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 | 3 in force |
| Nearby Flood Claims | 1 (1980) |
| Most Recent Claim | Jul 1980 · rainfall accumulation |
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.
The area around 522 Denver 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 734 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 · Fiber in parts of the area | 1,000 / 50 |
May also be available: GigFire, Nextlink, T-Mobile, Verizon.
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