615 Keystone St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 615 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	Individual Name on File
Last Sale	$41,000 (Nov 2017)
Tax Bill	$1,878 (2025)
Deeds & Mortgages	Dec 2017 Mortgage Nov 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-12-378-026`

Property Details

APN / Parcel Number

Primary APN	`8913-12-378-026`

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	540 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
Porch	Slab
Porch Area	40 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	615 KEYSTONE ST
City	WATERLOO
State	IA
Zip	50703-1525
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOLLINGSWORTH ADDITION LOT 34
Legal Range	13W
Legal Township	89N
Legal Section	12
Legal Subdivision	HOLLINGSWORTH ADDITION
Legal Lot Number	34
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2002
Census Tract	1702

Owner

615 Keystone St is owned and occupied by an individual who bought it in November 2017.

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

Owner of Record	Individual Name on File
Mailing Address	615 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
Dec 12, 2017	Deed of Trust, Mortgage VERIDIAN CU
Nov 29, 2017	Deed, Transfer · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 29, 2017 · Amount on File
Deed Sale	Nov 29, 2017 · Amount on File
Deed Document Number	20172018-00009298
Record Updated	Oct 29, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	615 KEYSTONE ST, WATERLOO, IA 50703-1525
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800010059
Date	Dec 12, 2017
Instrument	2018-00010059

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Amount	Amount on Record
Term	120 Months
Due	Dec 10, 2027

November 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 29, 2017
Property Address	615 KEYSTONE ST, WATERLOO, IA 50703-1525
Document Number	201800009298
Instrument Date	Nov 17, 2017
Instrument	2018-00009298
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	615 KEYSTONE ST, WATERLOO, IA 50703-1525

Mortgage

Document Number	201800009299
Date	Nov 29, 2017
Instrument	2018-00009299

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 615 Keystone St was $1,878 with a homeowner's exemption, up 24.2% 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	$1,878.00 (+24.21%) Homeowner's exemption	$102,890 Land $9,980 Building $92,910	$102,890 Land $9,980 Building $92,910
2024	$1,512.00
2023		$79,900 (+26.2%) Land $9,980 Building $69,920	$79,900 Land $9,980 Building $69,920
2022	$1,196.00 Homeowner's exemption	$63,310 Land $9,980 Building $53,330
2021			$63,310 Land $9,980 Building $53,330

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

Flood

FEMA maps place 615 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 615 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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