609 E Donald St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 609 E Donald St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 940 sqft · built 1955
Lot Size	0.16 acres (6,960 sqft)
Owner	2 Company Names on Record
Last Sale	$48,437 (Sep 2007)
Tax Bill	$1,786 (2025)
Deeds & Mortgages	Jan 2019 Refinance Feb 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-12-380-021`

Property Details

APN / Parcel Number

Primary APN	`8913-12-380-021`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	940 sqft Living Area
1st Floor Area	940 sqft
Basement Area	940 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,960 sqft (0.16 acres)
Lot Dimensions	116 ft deep x 60 ft wide
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	609 E DONALD ST
City	WATERLOO
State	IA
Zip	50703-1519
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOLLINGSWORTH ADDITION LOT 2 EXC THAT PART DEEDED TO CITY OF WATERLOO B 599 P 907
Legal Range	13W
Legal Township	89N
Legal Section	12
Legal Subdivision	HOLLINGSWORTH ADDITION
Legal Lot Number	2
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2003
Census Tract	1702

Owner

Source: Black Hawk County records, as of September 1, 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 Company Names on Record
Mailing Address	208 MCKINLEY ST, OCEANSIDE, CA 92057-4415
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA
Feb 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Nov 7, 2025	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 20, 2007 · Amount on Record
Deed Sale	Sep 20, 2007 · Amount on Record
Prior Sale	Aug 1, 2007 · Amount on Record
Deed Document Number	20072008006487
Prior Transfer Date	Sep 18, 2007
Prior Transfer Doc	2008006487
Record Updated	Oct 29, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	609 E DONALD ST, WATERLOO, IA 50703-1519
Transaction Type	Mortgage
Record Updated	Nov 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900011677
Date	Jan 31, 2019
Instrument	201900011677

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	609 E DONALD ST, WATERLOO, IA 50703-1519
Transaction Type	Mortgage
Record Updated	Nov 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200016436
Date	Feb 14, 2022
Instrument	202200016436

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 7, 2025
Property Address	609 E DONALD ST, WATERLOO, IA 50703-1519
Document Number	0202516447
Instrument Date	Nov 1, 2025
Instrument	2025-16447
Transaction Type	Transfer
Record Updated	Nov 18, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	208 MCKINLEY ST, OCEANSIDE, CA 92057-4415

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	208 MCKINLEY ST, OCEANSIDE, CA 92057-4415

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	$1,786.00 (+20.68%)	$87,530 (+28.31%) Land $9,870 Building $77,660	$87,530 (+28.31%) Land $9,870 Building $77,660
2024	$1,480.00 (+22.31%)
2023		$68,220 (+23.86%) Land $9,870 Building $58,350	$68,220 (+23.86%) Land $9,870 Building $58,350
2022	$1,210.00	$55,080 Land $9,870 Building $45,210
2021			$55,080 Land $9,870 Building $45,210

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 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 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 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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