522 Kern St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 522 Kern St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 923 sqft · built 1904
Lot Size	0.149 acres (6,500 sqft)
Owner	Company Name on File
Last Sale	$48,000 (Nov 2022)
Tax Bill	$1,202 (2025)
Deeds & Mortgages	Nov 2021 Sale & Line of Credit Mar 2020 Line of Credit + 2 more
Flood Zone	Zone X (reduced by levee)
APN	`8913-14-455-014`

Property Details

APN / Parcel Number

Primary APN	`8913-14-455-014`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	923 sqft Living Area
1st Floor Area	714 sqft
Attic	Attic
Attic Area	179 sqft
Basement Area	714 sqft
Unfinished Basement	714 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1904
Effective Year Built	Effective 1904
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,500 sqft (0.149 acres)
Lot Dimensions	130 ft deep x 50 ft wide
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	216 sqft
Deck Area	Deck Area
Patio Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	522 KERN ST
City	WATERLOO
State	IA
Zip	50703-5836
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BURNSIDE LOT 18 BLK 2
Legal Range	13W
Legal Township	89N
Legal Section	14
Legal Subdivision	BURNSIDE
Legal Block	2
Legal Lot Number	18
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1015
Census Tract	500

Owner

522 Kern St is owned by a company that bought it in November 2022.

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

Owner of Record	Company Name on File
Mailing Address	4120 WYNNEWOOD DR, CEDAR FALLS, IA 50613-1775
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
Nov 4, 2021	Warranty Deed, Transfer · Line of Credit DENVER SAVINGS BANK
Mar 2, 2020	Special Warranty Deed, Transfer · Line of Credit FIRST NATIONAL BANK
Apr 17, 2019	Warranty Deed, Foreclosure
Oct 20, 2017	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 4, 2022 · Amount on File
Deed Sale	Nov 4, 2022 · Amount on File
Prior Sale	Nov 4, 2021 · Amount on File
Deed Document Number	20229682
Prior Transfer Date	Jan 22, 2022
Prior Transfer Doc	0000015380
Record Updated	Oct 29, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 4, 2021
Property Address	522 KERN ST, WATERLOO, IA 50703-5836
Document Number	202200009682
Instrument Date	Oct 27, 2021
Instrument	202200009682
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

Amount	Amount on Record
Tax	$76.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4120 WYNNEWOOD DR, CEDAR FALLS, IA 50613-1775

Mortgage

Document Number	202200009683
Date	Nov 4, 2021
Instrument	202200009683

Lender

Name	DENVER SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Oct 27, 2051

March 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Mar 2, 2020
Property Address	522 KERN ST, WATERLOO, IA 50703-5836
Document Number	202000014951
Instrument Date	Feb 4, 2020
Instrument	202000014951
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3546 LOGAN AVE, WATERLOO, IA 50703-1051

Mortgage

Document Number	202000015080
Date	Mar 2, 2020
Instrument	202000015080

Lender

Name	FIRST NATIONAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 28, 2050

Interest

Rate Type	Adjustable Rate

April 2019: Warranty Deed, Foreclosure

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 17, 2019
Property Address	522 KERN ST, WATERLOO, IA 50703-5836
Document Number	201900015441
Instrument Date	Apr 11, 2019
Instrument	201900015441
Transaction Type	Foreclosure
Record Updated	Jul 8, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 650043, DALLAS, TX 75265-0043
Investor	Possibly a Property Investor

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 20, 2017
Property Address	522 KERN ST, WATERLOO, IA 50703-5836
Document Number	201800007085
Instrument Date	Oct 14, 2017
Instrument	2018-00007085
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 KERN ST, WATERLOO, IA 50703-5836

Mortgage

Document Number	201800007086
Date	Oct 20, 2017
Instrument	2018-00007086

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 522 Kern St was $1,202, up 23.7% 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	$1,202.00 (+23.66%)	$58,900 Land $7,350 Building $51,550	$58,900 Land $7,350 Building $51,550
2024	$972.00
2023		$44,770 (+0.99%) Land $7,350 Building $37,420	$44,770 Land $7,350 Building $37,420
2022	$974.00	$44,330 Land $7,350 Building $36,980
2021			$44,330 Land $7,350 Building $36,980

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

Flood

FEMA maps place 522 Kern St in Zone X, where a levee reduces flood risk.

Source: FEMA National Flood Hazard Layer, effective September 27, 2026

FEMA Flood Zone	Zone X reduced by levee · depends on levee performance
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

The area around 522 Kern 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 539 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
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

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