613 Keystone St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 613 Keystone St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,320 sqft · built 1955
Lot Size	0.165 acres (7,200 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,390 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Nov 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-12-378-027`

Property Details

APN / Parcel Number

Primary APN	`8913-12-378-027`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,320 sqft Living Area
1st Floor Area	920 sqft
Basement Area	1,320 sqft
Finished Basement	650 sqft
Flooring	Carpet
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Metal
Lot Area	7,200 sqft (0.165 acres)
Lot Dimensions	120 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	40 sqft
Deck Area	83 sqft
Patio Area	281 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	613 KEYSTONE ST
City	WATERLOO
State	IA
Zip	50703-1525
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOLLINGSWORTH ADDITION LOT 33
Legal Range	13W
Legal Township	89N
Legal Section	12
Legal Subdivision	HOLLINGSWORTH ADDITION
Legal Lot Number	33
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2002
Census Tract	1702

Owner

613 Keystone St is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	613 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
Apr 6, 2026	Deed of Trust, Mortgage · Line of Credit VERIDIAN CREDIT UNION
Nov 27, 2023	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Nov 5, 2018	Deed of Trust, Mortgage VERIDIAN CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 6, 2026
Property Address	613 KEYSTONE ST, WATERLOO, IA 50703-1525
Document Number	0000004536
Instrument Date	Apr 1, 2026
Instrument	20264536
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	613 KEYSTONE ST, WATERLOO, IA 50703-1525

Mortgage

Document Number	0000004536,
Date	Apr 6, 2026
Instrument	20264536

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Apr 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	6%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	613 KEYSTONE ST, WATERLOO, IA 50703-1525
Transaction Type	Mortgage
Record Updated	Dec 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	613 KEYSTONE ST, WATERLOO, IA 50703-1525

Mortgage

Document Number	202400006869
Date	Nov 27, 2023
Instrument	202400006869

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Nov 26, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	613 KEYSTONE ST, WATERLOO, IA 50703-1525
Transaction Type	Mortgage
Record Updated	Nov 29, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900007246
Date	Nov 5, 2018
Instrument	201900007246

Lender

Name	VERIDIAN CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount on Record
Term	170 Months
Due	Jan 1, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 613 Keystone St was $2,390 with a homeowner's exemption, up 28.8% 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	$2,390.00 (+28.77%) Homeowner's exemption	$142,580 Land $9,980 Building $132,600	$142,580 Land $9,980 Building $132,600
2024	$1,856.00
2023		$109,510 (+27.56%) Land $9,980 Building $99,530	$109,510 Land $9,980 Building $99,530
2022	$1,690.00 Homeowner's exemption	$85,850 Land $9,980 Building $75,870
2021			$85,850 Land $9,980 Building $75,870

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

Flood

FEMA maps place 613 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 613 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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