611 Keystone St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 611 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	Company Name on File
Last Sale	$110,500 (Apr 2014)
Tax Bill	$2,088 (2025)
Deeds & Mortgages	Feb 2018 Mortgage May 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-12-378-028`

Property Details

APN / Parcel Number

Primary APN	`8913-12-378-028`

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	300 sqft
Game Room	Game Room
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	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	40 sqft
Deck Area	160 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	611 KEYSTONE ST
City	WATERLOO
State	IA
Zip	50703-1525
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOLLINGSWORTH ADDITION LOT 32
Legal Range	13W
Legal Township	89N
Legal Section	12
Legal Subdivision	HOLLINGSWORTH ADDITION
Legal Lot Number	32
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2002
Census Tract	1702

Owner

611 Keystone St is owned by a company that acquired it in December 2014.

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

Owner of Record	Company Name on File
Mailing Address	PO BOX 1202, CEDAR FALLS, IA 50613-0056
Owner Type	Company
Vesting	Company

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
Feb 21, 2018	Deed of Trust, Mortgage CEDAR FALLS COMMUNITY CU
May 4, 2017	Deed of Trust, Mortgage FARMERS STATE BANK
Apr 19, 2017	Special Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 30, 2014 · Amount on File
Deed Sale	Apr 30, 2014 · Amount on File
Prior Sale	Sep 27, 2007 · Amount on File
Deed Document Number	201419176
Last Transfer Date	Dec 10, 2014
Transfer Doc	201500010010
Record Updated	Oct 29, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	611 KEYSTONE ST, WATERLOO, IA 50703-1525
Transaction Type	Mortgage
Record Updated	Jul 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800013690
Date	Feb 21, 2018
Instrument	201800013690

Lender

Name	CEDAR FALLS COMMUNITY CU
Type	Credit Union

Agreement

Amount	Amount on Record

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	611 KEYSTONE ST, WATERLOO, IA 50703-1525
Transaction Type	Mortgage
Record Updated	Jul 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700019219
Date	May 4, 2017
Instrument	2017-00019219

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	WATERLOO, IA 50701

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 3, 2047

April 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 19, 2017
Property Address	611 KEYSTONE ST, WATERLOO, IA 50703-1525
Document Number	201700018238
Instrument Date	Mar 27, 2017
Instrument	2017-00018238
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4112 S MAIN ST, CEDAR FALLS, IA 50613-5565

Tax Assessment & Valuation

The 2025 property tax bill for 611 Keystone St was $2,088, up 21.1% 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	$2,088.00 (+21.11%)	$102,280 Land $9,980 Building $92,300	$102,280 Land $9,980 Building $92,300
2024	$1,724.00
2023		$79,460 (+25.15%) Land $9,980 Building $69,480	$79,460 Land $9,980 Building $69,480
2022	$1,394.00	$63,490 Land $9,980 Building $53,510
2021			$63,490 Land $9,980 Building $53,510

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 611 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 611 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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