609 Keystone St, Waterloo, IA 50703 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 920 sqft · built 1955
Lot Size	0.165 acres (7,200 sqft)
Owner	Individual Name on File
Last Sale	$150,000 (Apr 2025)
Tax Bill	$1,820 (2025)
Deeds & Mortgages	Oct 2021 Second Mortgage Apr 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-12-378-029`

Property Details

APN / Parcel Number

Primary APN	`8913-12-378-029`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	920 sqft Living Area
1st Floor Area	920 sqft
Basement Area	920 sqft
Finished Basement	425 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Exterior Material	Aluminum Siding
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	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	40 sqft
Deck Area	Deck Area
Patio Area	40 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	609 KEYSTONE ST
City	WATERLOO
State	IA
Zip	50703-1525
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOLLINGSWORTH ADDITION LOT 31
Legal Range	13W
Legal Township	89N
Legal Section	12
Legal Subdivision	HOLLINGSWORTH ADDITION
Legal Lot Number	31
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2002
Census Tract	1702

Owner

609 Keystone St is owned and occupied by an individual who bought it in April 2025.

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

Owner of Record	Individual Name on File
Mailing Address	609 KEYSTONE ST, WATERLOO, IA 50703-1525
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage GREENSTATE CU
Apr 30, 2025	Warranty Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 30, 2025 · Amount on File
Deed Sale	Apr 30, 2025 · Amount on File
Prior Sale	Nov 15, 2024 · Amount on File
Deed Document Number	20255832
Prior Transfer Date	Mar 25, 2005
Prior Transfer Doc	2005022214
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	609 KEYSTONE ST, WATERLOO, IA 50703-1525
Transaction Type	Mortgage
Record Updated	Oct 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200009086
Date	Oct 27, 2021
Instrument	202200009086

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	MARENGO, IA 52301

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 15, 2036

April 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 30, 2025
Property Address	609 KEYSTONE ST, WATERLOO, IA 50703-1525
Document Number	0202505832
Instrument Date	Apr 25, 2025
Instrument	2025-05832
Transaction Type	Transfer
Record Updated	Oct 21, 2025
Title Company	TITLE SERVICES CORPORATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 KEYSTONE ST, WATERLOO, IA 50703-1525

Mortgage

Document Number	0202505833
Date	Apr 30, 2025
Instrument	2025-05833

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 609 Keystone St was $1,820, up 10.6% from the year before.

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	$1,820.00 (+10.57%)	$100,100 Land $9,980 Building $90,120	$100,100 Land $9,980 Building $90,120
2024	$1,646.00
2023		$75,880 (+25.36%) Land $9,980 Building $65,900	$75,880 Land $9,980 Building $65,900
2022	$1,134.00 Homeowner's exemption	$60,530 Land $9,980 Building $50,550
2021			$60,530 Land $9,980 Building $50,550

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

Flood

FEMA maps place 609 Keystone St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2010.

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

Wildfire risk around 609 Keystone St is low, with less than a 0.01% annual chance of 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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