649 Stephan Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 649 Stephan Ave, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,092 sqft · built 1954
Lot Size	0.196 acres (8,540 sqft)
Owner	Company Name on Record
Last Sale	$105,000 (Nov 2024)
Tax Bill	$2,848 (2025)
Deeds & Mortgages	Nov 2024 Sale & Line of Credit Dec 2019 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8913-21-407-009`

Property Details

APN / Parcel Number

Primary APN	`8913-21-407-009`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,092 sqft Living Area
1st Floor Area	1,092 sqft
Basement Area	1,092 sqft
Unfinished Basement	1,092 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,540 sqft (0.196 acres)
Lot Dimensions	122 ft deep x 70 ft wide
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Deck Area	Deck Area
Patio Area	72 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	649 STEPHAN AVE
City	WATERLOO
State	IA
Zip	50701-2035
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HANSEN NOBLE ADDITION LOT 57
Legal Range	13W
Legal Township	89N
Legal Section	21
Legal Subdivision	HANSEN NOBLE ADDITION
Legal Lot Number	57
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1007
Census Tract	1503

Owner

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

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

Owner of Record	Company Name on Record
Mailing Address	515 BROADWAY ST, WATERLOO, IA 50703-5807
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2024	Warranty Deed, Transfer · Line of Credit FIRST INTERSTATE BANK
Dec 2, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance DENVER SAVINGS BANK
Jun 2, 2020	Sheriff's Deed, Foreclosure BLACK HAWK COUNTY ABSTRACT AND T, BLACKHAWK CNTY ABSTRACT & TT
Jul 17, 2020	Re-recorded Document BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK CNTY ABSTRACT & T

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 12, 2024 · Amount on Record
Deed Sale	Nov 12, 2024 · Amount on Record
Prior Sale	Jun 2, 2020 · Amount on Record
Deed Document Number	202423189
Prior Transfer Date	May 29, 2020
Prior Transfer Doc	2100001292
Record Updated	Oct 29, 2026

November 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 12, 2024
Property Address	649 STEPHAN AVE, WATERLOO, IA 50701-2035
Document Number	0202423189
Instrument Date	Nov 7, 2024
Instrument	2024-23189
Transaction Type	Transfer
Record Updated	Oct 17, 2025

Transaction

Amount	Amount Recorded
Tax	$167.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 BROADWAY ST, WATERLOO, IA 50703-5807

Mortgage

Document Number	0202423190
Date	Nov 12, 2024
Instrument	2024-23190

Lender

Name	FIRST INTERSTATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Change Frequency	Monthly

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	649 STEPHAN AVE, WATERLOO, IA 50701-2035
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000009953
Date	Dec 2, 2019
Instrument	202000009953

Lender

Name	DENVER SAVINGS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

June 2020: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 2, 2020
Property Address	649 STEPHAN AVE, WATERLOO, IA 50701-2035
Document Number	202000021109
Instrument Date	May 29, 2020
Instrument	202000021109
Transaction Type	Foreclosure
Record Updated	Feb 10, 2022
Title Company	BLACK HAWK COUNTY ABSTRACT AND T, BLACKHAWK CNTY ABSTRACT & TT

Transaction

Amount	Amount Recorded
Tax	$175.20
Amount Accuracy	Rounded by County
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	649 STEPHAN AVE, WATERLOO, IA 50701-2035

July 2020: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	BLACK HAWK IA
Recording Date	Jul 17, 2020
Property Address	649 STEPHAN AVE, WATERLOO, IA 50701-2035
Document Number	202100001292
Instrument Date	May 29, 2020
Instrument	202100001292
Record Updated	Feb 10, 2022
Title Company	BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK CNTY ABSTRACT & T

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	649 STEPHAN AVE, WATERLOO, IA 50701-2035

Tax Assessment & Valuation

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	$2,848.00 (-7.17%)	$139,510 (-1.32%) Land $21,840 Building $117,670	$139,510 (-1.32%) Land $21,840 Building $117,670
2024	$3,068.00 (+22.23%)
2023		$141,380 (+23.76%) Land $21,840 Building $119,540	$141,380 (+23.76%) Land $21,840 Building $119,540
2022	$2,510.00	$114,240 Land $21,840 Building $92,400
2021			$114,240 Land $21,840 Building $92,400

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

Flood

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

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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