607 Keystone St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 607 Keystone St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 920 sqft · built 1955
Lot Size	0.165 acres (7,200 sqft)
Owner	Individual Name on Record
Tax Bill	$1,982 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage May 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`8913-12-378-030`

Property Details

APN / Parcel Number

Primary APN	`8913-12-378-030`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	920 sqft Living Area
1st Floor Area	920 sqft
Basement Area	920 sqft
Finished Basement	400 sqft
Unfinished Basement	920 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,200 sqft (0.165 acres)
Lot Dimensions	120 ft deep x 60 ft wide
Garage Type	Carport
Garage Area	384 sqft
Carport	Carport
Carport Area	384 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	716 sqft
Deck Area	Deck Area
Patio Area	36 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	607 KEYSTONE ST
City	WATERLOO
State	IA
Zip	50703-1525
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOLLINGSWORTH ADDITION LOT 30
Legal Range	13W
Legal Township	89N
Legal Section	12
Legal Subdivision	HOLLINGSWORTH ADDITION
Legal Lot Number	30
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2002
Census Tract	1702

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	607 KEYSTONE ST, WATERLOO, IA 50703-1525
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2022	Warranty Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
May 17, 2022	Warranty Deed, Transfer TITLE SERVICES CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Dec 21, 2022
Property Address	607 KEYSTONE ST, WATERLOO, IA 50703-1525
Document Number	202300009394
Instrument Date	Dec 16, 2022
Instrument	202300009394
Transaction Type	Transfer
Record Updated	Mar 3, 2023
Title Company	TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$202.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	607 KEYSTONE ST, WATERLOO, IA 50703-1525
Investor	Possibly a Property Investor

Mortgage

Document Number	202300009395
Date	Dec 21, 2022
Instrument	202300009395

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 17, 2022
Property Address	607 KEYSTONE ST, WATERLOO, IA 50703-1525
Document Number	202200022496
Instrument Date	Apr 29, 2022
Instrument	202200022496
Transaction Type	Transfer
Record Updated	Mar 3, 2023
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount Recorded
Tax	$57.60
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	943 SUNRISE BLVD, WATERLOO, IA 50701-4951
Investor	Possibly a Property Investor

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	$1,982.00 (+24.65%) Homeowner's exemption	$108,000 (+29.31%) Land $9,980 Building $98,020	$108,000 (+29.31%) Land $9,980 Building $98,020
2024	$1,590.00 (+57.89%)
2023		$83,520 (+208.88%) Land $9,980 Building $73,540	$83,520 (+208.88%) Land $9,980 Building $73,540
2022	$1,007.00	$27,040 Land $9,980 Building $17,060
2021			$27,040 Land $9,980 Building $17,060

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 Claims	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2010 · Severe Storms, Flooding, And Tornadoes

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 98% of the US · lower than 82% 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 141 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
GigFire Fixed Wireless	150 / 130
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink.

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