625 Stephan Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 625 Stephan Ave, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,008 sqft · built 1950
Lot Size	0.201 acres (8,750 sqft)
Owner	Individual Name on File
Last Sale	$205,000 (Jun 2022)
Tax Bill	$3,090 (2025)
Deeds & Mortgages	Jun 2022 Sale & Second Mortgage Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-21-407-012`

Property Details

APN / Parcel Number

Primary APN	`8913-21-407-012`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,008 sqft Living Area
1st Floor Area	720 sqft
Basement Area	1,008 sqft
Finished Basement	560 sqft
Unfinished Basement	1,008 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Other
Roof Type	Hip
Roof Material	Asphalt
Lot Area	8,750 sqft (0.201 acres)
Lot Dimensions	125 ft deep x 70 ft wide
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Deck Area	Deck Area
Patio Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	625 STEPHAN AVE
City	WATERLOO
State	IA
Zip	50701-2035
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HANSEN NOBLE ADDITION LOT 60
Legal Range	13W
Legal Township	89N
Legal Section	21
Legal Subdivision	HANSEN NOBLE ADDITION
Legal Lot Number	60
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1007
Census Tract	1503

Owner

625 Stephan Ave is owned and occupied by an individual who bought it in June 2022.

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

Owner of Record	Individual Name on File
Mailing Address	625 STEPHAN AVE, WATERLOO, IA 50701-2035
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
Jun 13, 2022	Warranty Deed, Transfer · Stand-Alone Second Mortgage GREENSTATE CU
Oct 18, 2021	Deed of Trust, Mortgage · Commercial Mortgage CEDAR VALLEY BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 13, 2022 · Amount on File
Deed Sale	Jun 13, 2022 · Amount on File
Deed Document Number	202224063
Record Updated	Oct 29, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 13, 2022
Property Address	625 STEPHAN AVE, WATERLOO, IA 50701-2035
Document Number	202200024063
Instrument Date	Jun 3, 2022
Instrument	202200024063
Transaction Type	Transfer
Record Updated	Jun 27, 2022
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$327.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	625 STEPHAN AVE, WATERLOO, IA 50701-2035

Mortgage

Document Number	202200024065
Date	Jun 13, 2022
Instrument	202200024065

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jun 5, 2032

Mortgage

Document Number	202200024064
Date	Jun 13, 2022
Instrument	202200024064

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 5, 2052

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	625 STEPHAN AVE, WATERLOO, IA 50701-2035
Transaction Type	Mortgage
Record Updated	Oct 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2422 SUNSET BLVD, CEDAR FALLS, IA 50613-5636

Mortgage

Document Number	202200008248
Date	Oct 18, 2021
Instrument	202200008248

Lender

Name	CEDAR VALLEY BANK & TRUST
Type	Bank
Address	VINTON, IA 52349

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	12 Months
Due	Oct 8, 2022

Tax Assessment & Valuation

The 2025 property tax bill for 625 Stephan Ave was $3,090 with a homeowner's exemption, down 6.6% 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	$3,090.00 (-6.65%) Homeowner's exemption	$162,340 Land $22,070 Building $140,270	$162,340 Land $22,070 Building $140,270
2024	$3,310.00
2023		$162,780 (+30.32%) Land $22,070 Building $140,710	$162,780 Land $22,070 Building $140,710
2022	$2,548.00 Homeowner's exemption	$124,910 Land $22,070 Building $102,840
2021			$124,910 Land $22,070 Building $102,840

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

Flood

FEMA maps place 625 Stephan Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 27, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 625 Stephan Ave 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 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 407 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
CenturyLink DSL	140 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink, Verizon.

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