601 Gilbert St, Waterloo (Evansdale), IA 50707 Property Records

Black Hawk County property record for 601 Gilbert St, Waterloo, IA 50707

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 720 sqft · built 1939
Lot Size	0.313 acres (13,650 sqft)
Owner	Individual Name on Record
Last Sale	$120,000 (Mar 2025)
Tax Bill	$2,030 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Mar 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8912-29-308-016`

Property Details

APN / Parcel Number

Primary APN	`8912-29-308-016`

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 1939
Effective Year Built	Effective 1939
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,650 sqft (0.313 acres)
Lot Dimensions	160 ft deep x 70 ft wide
Garage Type	Detached
Garage Area	288 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	63 sqft
Deck Area	361 sqft
Patio Area	361 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	601 GILBERT ST
City	EVANSDALE
State	IA
Zip	50707-4015
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AUDITOR BARNES PLAT OF MAYWOOD LOT 33 EXC N 70 FT OF E 125 FT & EXC W 79 FT
Legal Range	12W
Legal Township	89N
Legal Section	29
Legal Subdivision	AUDITOR BARNES PLAT OF MAYWOOD
Legal Lot Number	33
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	3
Census Block	3033
Census Tract	800

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	601 GILBERT ST, EVANSDALE, IA 50707-4015
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2020	Deed of Trust, Mortgage FARMERS STATE BANK
Mar 27, 2025	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 29, 2021	Warranty Deed, Transfer · Conventional Mortgage COLLINS COMMUNITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 27, 2025 · Amount on Record
Deed Sale	Mar 27, 2025 · Amount on Record
Prior Sale	Apr 29, 2021 · Amount on Record
Deed Document Number	20254027
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	601 GILBERT ST, WATERLOO, IA 50707-4015
Transaction Type	Mortgage
Record Updated	Oct 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	202000021057
Date	Jun 1, 2020
Instrument	202000021057

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	WATERLOO, IA 50701

Agreement

Amount	Amount Recorded

March 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Mar 27, 2025
Property Address	601 GILBERT ST, WATERLOO, IA 50707-4015
Document Number	0202504027
Instrument Date	Mar 27, 2025
Instrument	2025-04027
Transaction Type	Transfer
Record Updated	Oct 21, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$191.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	601 GILBERT ST, WATERLOO, IA 50707-4015

Mortgage

Document Number	0202504028
Date	Mar 27, 2025
Instrument	2025-04028

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2055

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 29, 2021
Property Address	601 GILBERT ST, WATERLOO, IA 50707-4015
Document Number	202100022745
Instrument Date	Mar 23, 2021
Instrument	202100022745
Transaction Type	Transfer
Record Updated	May 18, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$143.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	601 GILBERT ST, WATERLOO, IA 50707-4015

Mortgage

Document Number	202100022746
Date	Apr 29, 2021
Instrument	202100022746

Lender

Name	COLLINS COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

Tax Assessment & Valuation

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	$2,030.00 (+0.69%) Homeowner's exemption	$110,330 (+7%) Land $15,540 Building $94,790	$110,330 (+7%) Land $15,540 Building $94,790
2024	$2,016.00 (+27.11%)
2023		$103,110 (+27.19%) Land $15,540 Building $87,570	$103,110 (+27.19%) Land $15,540 Building $87,570
2022	$1,586.00 Homeowner's exemption	$81,070 Land $15,540 Building $65,530
2021			$81,070 Land $15,540 Building $65,530

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

Flood

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	6 (1993–2018)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Oct 2018 · rainfall accumulation
Claims by Event	Severe Storms & Flooding, Aug 1993 · 3 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 91% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 126 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	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: GigFire, Nextlink.

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