Black Hawk County property record for 55 Franklin St, Waterloo, IA 50703
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 2 ba · 1,984 sqft · built 1895 |
| Lot Size | 0.142 acres (6,188 sqft) |
| Owner | Individual Name on File |
| Last Sale | $25,950 (May 2012) |
| Tax Bill | $1,452 (2025) |
| Deeds & Mortgages | Sep 2025 Transfer Jul 2021 Sale |
| Flood Zone | Zone X (reduced by levee) |
| APN | 8913-23-429-025 |
| Primary APN | 8913-23-429-025 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 1,984 sqft Living Area |
| 1st Floor Area | 968 sqft |
| Basement Area | 968 sqft |
| Game Room | Game Room |
| Flooring | Vinyl/Resilient |
| Interior Walls | Plaster |
| Year Built | Built 1895 |
|---|---|
| Effective Year Built | Effective 1895 |
| Exterior Material | Other |
| Construction Type | Frame |
| Foundation Type | Stone |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 6,188 sqft (0.142 acres) |
| Lot Dimensions | 119 ft deep x 52 ft wide |
| Porch | Slab |
| Porch Area | 144 sqft |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Street Address | 55 FRANKLIN ST |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50703-3709 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | AUDITOR RAINBOWS REPLAT LOT 26 |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 23 |
| Legal Subdivision | AUDITOR RAINBOWS REPLAT |
| Legal Lot Number | 26 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 100 |
55 Franklin St is owned and occupied by an individual who acquired it in September 2025.
Source: Black Hawk County records, as of October 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 55 FRANKLIN ST, WATERLOO, IA 50703-3709 |
| 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.
| Date | Document |
|---|---|
| Sep 15, 2025 | Intrafamily Transfer, Transfer |
| Jul 8, 2021 | Warranty Deed, Transfer TITLE SERVICES CORPORATION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 4, 2012 · Amount on File |
| Deed Sale | May 4, 2012 · Amount on File |
| Deed Document Number | 201220409 |
| Last Transfer Date | Sep 8, 2025 |
| Transfer Doc | 0202513472 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Sep 15, 2025 |
| Property Address | 55 FRANKLIN ST, WATERLOO, IA 50703-3709 |
| Document Number | 0202513472 |
| Instrument Date | Sep 8, 2025 |
| Instrument | 2025-13472 |
| Transaction Type | Transfer |
| Record Updated | Sep 24, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 55 FRANKLIN ST, WATERLOO, IA 50703-3709 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Jul 8, 2021 |
| Property Address | 55 FRANKLIN ST, WATERLOO, IA 50703-3709 |
| Document Number | 202200000533 |
| Instrument Date | Jul 5, 2021 |
| Instrument | 202200000533 |
| Transaction Type | Transfer |
| Record Updated | Sep 24, 2025 |
| Title Company | TITLE SERVICES CORPORATION |
| Amount | Amount on Record |
|---|---|
| Tax | $173.60 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 440 SUMMIT AVE, WATERLOO, IA 50701-2830 |
The 2025 property tax bill for 55 Franklin St was $1,452, up 7% 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 | $1,452.00 (+7%) | $71,130 Land $8,650 Building $62,480 | $71,130 Land $8,650 Building $62,480 |
| 2024 | $1,357.00 | ||
| 2023 | $50,300 (+17.14%) Land $8,650 Building $41,650 | $50,300 Land $8,650 Building $41,650 | |
| 2022 | $1,248.00 | $42,940 Land $8,650 Building $34,290 | |
| 2021 | $42,940 Land $8,650 Building $34,290 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 55 Franklin St in Zone X, where a levee reduces flood risk, though there have been 4 flood claims nearby since 1993.
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 |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 4 (1993–2013) |
| Claims Outside the SFHA | 2 of 4 |
| Most Recent Claim | May 2013 · rainfall accumulation |
| Claims by Event |
|
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 55 Franklin 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 220 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 |
May also be available: GigFire, Nextlink.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures