Black Hawk County property record for 631 W 3rd St, Waterloo, IA 50701
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 4 ba · 2,752 sqft · built 1902 |
| Lot Size | 0.194 acres (8,460 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,236 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 8913-26-255-035 |
| Primary APN | 8913-26-255-035 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 13 Rooms |
| Stories | 2 Stories |
| Building Area | 2,752 sqft Total Area |
| 1st Floor Area | 1,376 sqft |
| Basement Area | 1,376 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1902 |
|---|---|
| Effective Year Built | Effective 1902 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,460 sqft (0.194 acres) |
| Lot Dimensions | 141 ft deep x 60 ft wide |
| Garage Type | Detached |
| Garage Area | 994 sqft |
| Parking Spaces | 4 Parking Spaces |
| Patio Area | 32 sqft |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Street Address | 631 W 3RD ST |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50701-5928 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | LEAVITTS ADDITION NW 140 FT NE 40 FT LOT 8 BLK 6 ORIGINAL PLAT WATERLOO WEST SW 20 FT LOTS 6 & 7 BLK 33 SW 20 FT NW 20 FT LOT |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 26 |
| Legal Subdivision | LEAVITTS ADDITION |
| Legal Block | 6,33 |
| Legal Lot Number | 6-8 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 300 |
631 W 3rd St, a duplex, 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 | 631 W 3RD ST, WATERLOO, IA 50701-5928 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 631 W 3rd St was $1,236 with a homeowner's exemption, up 14% from the year before.
Source: Black Hawk County assessment roll, as of October 17, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,236.00 (+14.02%) Homeowner's exemption | $95,070 Land $8,550 Building $86,520 | $95,070 Land $8,550 Building $86,520 |
| 2024 | $1,084.00 | ||
| 2023 | $82,340 (+24.38%) Land $8,550 Building $73,790 | $82,340 Land $8,550 Building $73,790 | |
| 2022 | $1,184.00 Homeowner's exemption | $66,200 Land $8,550 Building $57,650 | |
| 2021 | $66,200 Land $8,550 Building $57,650 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 631 W 3rd St 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.
The area around 631 W 3rd St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 385 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Waterloo Fiber Fiber | 10,000 / 10,000 |
| Metronet Fiber | 5,120 / 5,120 |
| Mediacom Xtream Cable | 1,000 / 50 |
May also be available: AT&T, GigFire, Nextlink, T-Mobile, Verizon.
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