528 Edwards St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 528 Edwards St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,712 sqft · built 1909
Lot Size	0.14 acres (6,100 sqft)
Owner	Individual Name on File
Tax Bill	$1,102 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Oct 2022 Sale + 4 more
Flood Zone	Zone X (reduced by levee)
APN	`8913-23-205-011`

Property Details

APN / Parcel Number

Primary APN	`8913-23-205-011`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,712 sqft Living Area
1st Floor Area	856 sqft
Basement Area	856 sqft
Unfinished Basement	856 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	6,100 sqft (0.14 acres)
Lot Dimensions	122 ft deep x 50 ft wide

Exterior Amenities

Porch	Slab
Porch Area	230 sqft
Shed	1 Shed
Shed Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	528 EDWARDS ST
City	WATERLOO
State	IA
Zip	50703-5828
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RICKER AND BRATNOBER LAND CO ADD LOT 17 BLK 8
Legal Range	13W
Legal Township	89N
Legal Section	23
Legal Subdivision	RICKER AND BRATNOBER LAND CO
Legal Block	8
Legal Lot Number	17
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2025
Census Tract	500

Owner

528 Edwards St is owned and occupied by an individual who acquired it in October 2022.

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

Owner of Record	Individual Name on File
Mailing Address	528 EDWARDS ST, WATERLOO, IA 50703-5828
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
Apr 13, 2026	Deed of Trust, Mortgage · Conventional Mortgage CITY OF WACO
Oct 7, 2022	Special Warranty Deed, Transfer TITLE SERVICES
May 13, 2022	Special Warranty Deed, Foreclosure
Sep 9, 2021	Quit Claim Deed, Foreclosure NAS DEPTMERIDIAN TITLE CORPORATION, NAS DEPT MERIDIAN TITLE CORP
Jun 18, 2020	Special Warranty Deed, Foreclosure
Jan 22, 2020	Sheriff's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 7, 2022
Deed Sale	Oct 7, 2022
Prior Sale	May 13, 2022 · Amount on File
Deed Document Number	20225832
Prior Transfer Date	Aug 31, 2021
Prior Transfer Doc	0000005438
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 13, 2026
Property Address	528 EDWARDS ST, WATERLOO, IA 50703-5828
Document Number	0000004978
Instrument Date	Jan 20, 2026
Instrument	20264978
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 EDWARDS ST, WATERLOO, IA 50703-5828

Mortgage

Document Number	0000004978,
Date	Apr 13, 2026
Instrument	20264978

Lender

Name	CITY OF WACO

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months

Interest

Rate	6.18%
Max Rate	-1%

October 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 7, 2022
Property Address	528 EDWARDS ST, WATERLOO, IA 50703-5828
Document Number	202300005832
Instrument Date	Sep 29, 2022
Instrument	202300005832
Transaction Type	Transfer
Record Updated	Nov 17, 2022
Title Company	TITLE SERVICES

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 EDWARDS ST, WATERLOO, IA 50703-5828

May 2022: Special Warranty Deed, Foreclosure

Document Type	Special Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 13, 2022
Property Address	528 EDWARDS ST, WATERLOO, IA 50703-5828
Document Number	202200021824
Instrument Date	Sep 22, 2021
Instrument	202200021824
Transaction Type	Foreclosure
Record Updated	Nov 17, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1600 E SOUTH ST DOUGLASS RD200-A, 1600, ANAHEIM, CA 92805-4903

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2000 N CLASSEN BLVD STE 3200, 3200, OKLAHOMA CITY, OK 73106-6034
Investor	Possibly a Property Investor

September 2021: Quit Claim Deed, Foreclosure

Document Type	Quit Claim Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 9, 2021
Property Address	528 EDWARDS ST, WATERLOO, IA 50703-5828
Document Number	202200005438
Instrument Date	Aug 31, 2021
Instrument	202200005438
Transaction Type	Foreclosure
Record Updated	Sep 23, 2021
Title Company	NAS DEPTMERIDIAN TITLE CORPORATION, NAS DEPT MERIDIAN TITLE CORP

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1600 S DOUGLASS RD, ANAHEIM, CA 92806-5948

June 2020: Special Warranty Deed, Foreclosure

Document Type	Special Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 18, 2020
Property Address	528 EDWARDS ST, WATERLOO, IA 50703-5828
Document Number	202000022309
Instrument Date	Mar 6, 2020
Instrument	202000022309
Transaction Type	Foreclosure
Record Updated	Jun 25, 2021

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1600 E SOUTH ST DOUGLASS RD200-A, 1600, ANAHEIM, CA 92805-4903

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2401 NW 23RD ST # D, D, OKLAHOMA CITY, OK 73107-2442

January 2020: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jan 22, 2020
Property Address	528 EDWARDS ST, WATERLOO, IA 50703-5828
Document Number	202000012969
Instrument Date	Jan 15, 2020
Instrument	202000012969
Transaction Type	Foreclosure
Record Updated	Jun 25, 2021

Transaction

Amount	Amount on Record
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	1600 S DALLAS DR # 2003, 2003, ANAHEIM, CA 92804-6018

Tax Assessment & Valuation

The 2025 property tax bill for 528 Edwards St was $1,102 with a homeowner's exemption, up 43.5% 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	$1,102.00 (+43.49%) Homeowner's exemption	$64,840 Land $7,200 Building $57,640	$64,840 Land $7,200 Building $57,640
2024	$768.00
2023		$32,660 (+19.81%) Land $7,200 Building $25,460	$32,660 Land $7,200 Building $25,460
2022	$598.00	$27,260 Land $7,200 Building $20,060
2021			$27,260 Land $7,200 Building $20,060

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

Flood

FEMA maps place 528 Edwards St in Zone X, where a levee reduces flood risk, though there have been 10 flood claims nearby since 1998.

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
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	10 (1998–2016)
Most Recent Claim	Sep 2016 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2016 · 2 claims Severe Storms, Tornadoes, And Flooding, Jun 2008 · 6 claims

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

The area around 528 Edwards 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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