609 Baltimore St, Waterloo, IA 50702 Property Records

Black Hawk County property record for 609 Baltimore St, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,728 sqft · built 1908
Lot Size	0.161 acres (7,000 sqft)
Owner	Individual Name on Record
Last Sale	$150,000 (Aug 2026)
Tax Bill	$2,102 (2025)
Deeds & Mortgages	Aug 2026 Sale & Line of Credit Oct 2025 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`8913-26-382-013`

Property Details

APN / Parcel Number

Primary APN	`8913-26-382-013`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,728 sqft Living Area
1st Floor Area	756 sqft
Basement Area	972 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1908
Effective Year Built	Effective 1908
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Hip
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	672 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	609 BALTIMORE ST
City	WATERLOO
State	IA
Zip	50702-2847
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEAVITT JOHNSON AND MILLER ADD LOT 2 BLK 4
Legal Range	13W
Legal Township	89N
Legal Section	26
Legal Subdivision	LEAVITT JOHNSON AND MILLER ADD
Legal Block	4
Legal Lot Number	2
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1016
Census Tract	200

Owner

Source: Black Hawk County records, as of September 4, 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	609 BALTIMORE ST, WATERLOO, IA 50702-2847
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2026	Warranty Deed, Transfer · Line of Credit PEOPLES SAVINGS BANK
Oct 7, 2025	Deed of Trust, Mortgage · Line of Credit HEARTLAND BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 26, 2026 · Amount on Record
Deed Sale	Aug 26, 2026 · Amount on Record
Prior Sale	Aug 26, 2025 · Amount on Record
Deed Document Number	202612847
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Aug 26, 2026
Property Address	609 BALTIMORE ST, WATERLOO, IA 50702-2847
Document Number	0000012847
Instrument Date	Aug 18, 2026
Instrument	202612847
Transaction Type	Transfer
Record Updated	Sep 2, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$24,159.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 BALTIMORE ST, WATERLOO, IA 50702-2847

Mortgage

Document Number	0000012848,
Date	Aug 26, 2026
Instrument	202612848

Lender

Name	PEOPLES SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 5, 2056

Interest

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

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	609 BALTIMORE ST, WATERLOO, IA 50702-2847
Transaction Type	Mortgage
Record Updated	Oct 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202514751
Date	Oct 7, 2025
Instrument	2025-14751

Lender

Name	HEARTLAND BANK & TRUST CO
Type	Bank
Address	4020 BANKERS BLVD, WATERLOO, IA 50701

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	9 Months
Due	Jul 7, 2026

Interest

Change Frequency	Monthly

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	$2,102.00 (+18.49%) Homeowner's exemption	$103,020 (+11.94%) Land $11,250 Building $91,770	$103,020 (+11.94%) Land $11,250 Building $91,770
2024	$1,774.00 (+11.01%)
2023		$92,030 (+12.69%) Land $11,250 Building $80,780	$92,030 (+12.69%) Land $11,250 Building $80,780
2022	$1,598.00 Homeowner's exemption	$81,670 Land $11,250 Building $70,420
2021			$81,670 Land $11,250 Building $70,420

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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