645 Jane St, Waterloo, IA 50701 Property Records

Black Hawk County property record for 645 Jane St, Waterloo, IA 50701 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,000 sqft · built 1961
Lot Size	0.179 acres (7,800 sqft)
Owner	2 Individual Names on File
Last Sale	$169,000 (Jan 2023)
Tax Bill	$3,016 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-33-407-011`

Property Details

APN / Parcel Number

Primary APN	`8913-33-407-011`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,000 sqft Living Area
1st Floor Area	1,000 sqft
Basement Area	1,000 sqft
Finished Basement	475 sqft
Unfinished Basement	1,000 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	7,800 sqft (0.179 acres)
Lot Dimensions	120 ft deep x 65 ft wide
Garage Type	Attached
Garage Area	276 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	36 sqft
Deck Area	136 sqft
Patio Area	136 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	645 JANE ST
City	WATERLOO
State	IA
Zip	50701-4315
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MARTIN HEIGHTS LOT 20
Legal Range	13W
Legal Township	89N
Legal Section	33
Legal Subdivision	MARTIN HEIGHTS
Legal Lot Number	20
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1013
Census Tract	1501

Owner

Source: Black Hawk County records · APN 8913-33-407-011

Assessment roll updated October 17, 2025 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	645 JANE ST, WATERLOO, IA 50701-4315
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 19, 2023 · Amount on Record
Deed Sale	Jan 19, 2023 · Amount on Record
Prior Sale	Oct 12, 2006 · Amount on Record
Deed Document Number	202310436
Record Updated	Sep 20, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jan 19, 2023
Property Address	645 JANE ST, WATERLOO, IA 50701-4315
Document Number	202300010436
Instrument Date	Jan 13, 2023
Instrument	202300010436
Transaction Type	Transfer
Record Updated	Feb 03, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$269.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	645 JANE ST, WATERLOO, IA 50701-4315

Mortgage

Document Number	202300010437
Date	Jan 19, 2023
Instrument	202300010437

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2053

Tax Assessment & Valuation

Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified June 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,016.00 Homeowner's exemption	$167,620 (+11.99%) Land $23,160 Building $144,460	$167,620 (+11.99%) Land $23,160 Building $144,460
2024	$3,016.00 (+2.94%)
2023		$149,670 (+12.19%) Land $23,160 Building $126,510	$149,670 (+12.19%) Land $23,160 Building $126,510
2022	$2,930.00	$133,410 Land $23,160 Building $110,250
2021			$133,410 Land $23,160 Building $110,250

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Black Hawk County (19013C), updated September 27, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft

Wildfire

Wildfire Risk	Low above 5% of the US · above 32% of Iowa
Wildfire Likelihood	About 1 in 7,143 per year
Exposure	Direct burnable vegetation at the parcel

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