607 Denver St, Waterloo, IA 50702 Property Records

Black Hawk County property record for 607 Denver St, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,566 sqft · built 1913
Lot Size	0.161 acres (7,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$78,000 (May 2020)
Tax Bill	$1,978 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Aug 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-26-381-012`

Property Details

APN / Parcel Number

Primary APN	`8913-26-381-012`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	4 Half Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,566 sqft Living Area
1st Floor Area	768 sqft
Basement Area	798 sqft
Finished Basement	350 sqft
Unfinished Basement	798 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1913
Effective Year Built	Effective 1913
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,000 sqft (0.161 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	837 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	256 sqft
Patio Area	629 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	607 DENVER ST
City	WATERLOO
State	IA
Zip	50702-2941
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEAVITT JOHNSON AND MILLER ADD LOT 3 BLK 2
Legal Range	13W
Legal Township	89N
Legal Section	26
Legal Subdivision	LEAVITT JOHNSON AND MILLER ADD
Legal Block	2
Legal Lot Number	3
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1029
Census Tract	200

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	607 DENVER ST, WATERLOO, IA 50702-2941
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2026	Deed of Trust, Mortgage · Line of Credit VERIDIAN CREDIT UNION
Aug 22, 2023	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
May 20, 2020	Warranty Deed, Transfer · Conventional Mortgage COLLINS COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 20, 2020 · Amount on Record
Deed Sale	May 20, 2020 · Amount on Record
Prior Sale	Nov 17, 2005 · Amount on Record
Deed Document Number	202020265
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 16, 2026
Property Address	607 DENVER ST, WATERLOO, IA 50702-2941
Document Number	0000014012
Instrument Date	Sep 10, 2026
Instrument	202614012
Transaction Type	Mortgage
Record Updated	Sep 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	607 DENVER ST, WATERLOO, IA 50702-2941

Mortgage

Document Number	0000014012,
Date	Sep 16, 2026
Instrument	202614012

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	607 DENVER ST, WATERLOO, IA 50702-2941
Transaction Type	Mortgage
Record Updated	Sep 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	607 DENVER ST, WATERLOO, IA 50702-2941

Mortgage

Document Number	202400002600
Date	Aug 22, 2023
Instrument	202400002600

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Aug 21, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 20, 2020
Property Address	607 DENVER ST, WATERLOO, IA 50702-2941
Document Number	202000020265
Instrument Date	May 13, 2020
Instrument	202000020265
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$124.00
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	607 DENVER ST, WATERLOO, IA 50702-2941

Mortgage

Document Number	202000020266
Date	May 20, 2020
Instrument	202000020266

Lender

Name	COLLINS COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

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	$1,978.00 (+6.23%) Homeowner's exemption	$107,810 (+10.84%) Land $11,250 Building $96,560	$107,810 (+10.84%) Land $11,250 Building $96,560
2024	$1,862.00 (+14.8%)
2023		$97,270 (+17.52%) Land $11,250 Building $86,020	$97,270 (+17.52%) Land $11,250 Building $86,020
2022	$1,622.00 Homeowner's exemption	$82,770 Land $11,250 Building $71,520
2021			$82,770 Land $11,250 Building $71,520

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	1 (1980)
Most Recent Claim	Jul 1980 · rainfall accumulation

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	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 734 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 · Fiber in parts of the area	1,000 / 50

May also be available: GigFire, Nextlink, T-Mobile, Verizon.

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