535 Edison St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 535 Edison St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 720 sqft · built 1945
Lot Size	0.199 acres (8,650 sqft)
Owner	Individual Name on File
Last Sale	$65,000 (Feb 2022)
Tax Bill	$1,156 (2025)
Deeds & Mortgages	Oct 2026 Mortgage Feb 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-14-305-003`

Property Details

APN / Parcel Number

Primary APN	`8913-14-305-003`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	720 sqft Living Area
1st Floor Area	720 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,650 sqft (0.199 acres)
Lot Dimensions	173 ft deep x 50 ft wide
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	535 EDISON ST
City	WATERLOO
State	IA
Zip	50703-2143
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THOMAS & BRINKER ADDITION LOT 19 BLK 1
Legal Range	13W
Legal Township	89N
Legal Section	14
Legal Subdivision	THOMAS & BRINKER ADDITION
Legal Block	1
Legal Lot Number	19
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1050
Census Tract	1600

Owner

535 Edison St is owned and occupied by an individual who bought it in February 2022.

Source: Black Hawk County records, as of October 22, 2026

Owner of Record	Individual Name on File
Mailing Address	535 EDISON ST, WATERLOO, IA 50703-2143
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
Oct 16, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Feb 1, 2022	Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 1, 2022 · Amount on File
Deed Sale	Feb 1, 2022 · Amount on File
Deed Document Number	202215675
Prior Transfer Date	Jan 28, 2022
Prior Transfer Doc	0000015675
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 16, 2026
Property Address	535 EDISON ST, WATERLOO, IA 50703-2143
Document Number	0000015711
Instrument Date	Oct 11, 2026
Instrument	202615711
Transaction Type	Mortgage
Record Updated	Oct 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	535 EDISON ST, WATERLOO, IA 50703-2143

Mortgage

Document Number	0000015711,
Date	Oct 16, 2026
Instrument	202615711

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	304 Months
Due	Feb 1, 2052

Interest

Max Rate	-1%

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Feb 1, 2022
Property Address	535 EDISON ST, WATERLOO, IA 50703-2143
Document Number	202200015675
Instrument Date	Jan 28, 2022
Instrument	202200015675
Transaction Type	Transfer
Record Updated	Feb 11, 2022
Title Company	AMROCK INC, AMROCK

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$103.20
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	535 EDISON ST, WATERLOO, IA 50703-2143

Mortgage

Document Number	202200015676
Date	Feb 1, 2022
Instrument	202200015676

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 535 Edison St was $1,156 with a homeowner's exemption, up 13.3% 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	$1,156.00 (+13.33%) Homeowner's exemption	$67,570 Land $10,700 Building $56,870	$67,570 Land $10,700 Building $56,870
2024	$1,020.00
2023		$57,290 (+12.07%) Land $10,700 Building $46,590	$57,290 Land $10,700 Building $46,590
2022	$928.00	$51,120 Land $10,700 Building $40,420
2021			$51,120 Land $10,700 Building $40,420

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

Flood

FEMA maps place 535 Edison St in Zone X, an area of minimal flood risk, though there have been 58 flood claims nearby since 1983.

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
Flood Insurance Cost	Premium on File median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	58 (1983–2016)
Claims Outside the SFHA	17 of 58
Most Recent Claim	Sep 2016 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2016 · 20 claims Severe Storms, Tornadoes, And Flooding, Jun 2008 · 18 claims Severe Storms & Flooding, Aug 1993 · 15 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 535 Edison 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 118 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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