661 Jane St, Waterloo, IA 50701 Property Records

Black Hawk County property record for 661 Jane St, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 900 sqft · built 1961
Lot Size	0.207 acres (9,000 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Nov 2024)
Tax Bill	$3,810 (2025)
Deeds & Mortgages	Apr 2017 Mortgage Nov 2018 Refinance + 4 more
Flood Zone	Zone X (minimal risk)
APN	`8913-33-407-008`

Property Details

APN / Parcel Number

Primary APN	`8913-33-407-008`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	900 sqft Living Area
1st Floor Area	900 sqft
Basement Area	900 sqft
Finished Basement	415 sqft
Unfinished Basement	900 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,000 sqft (0.207 acres)
Lot Dimensions	120 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	512 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	204 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	661 JANE ST
City	WATERLOO
State	IA
Zip	50701-4315
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MARTIN HEIGHTS LOT 17
Legal Range	13W
Legal Township	89N
Legal Section	33
Legal Subdivision	MARTIN HEIGHTS
Legal Lot Number	17
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1013
Census Tract	1501

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	Individual Name on Record
Mailing Address	661 JANE ST, WATERLOO, IA 50701-4315
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2017	Deed of Trust, Mortgage · ARM UNIVERSITY OF IOWA COMMUNITY CU
Nov 29, 2018	Deed of Trust, Mortgage · Stand-Alone Refinance UNIVERSITY OF IOWA CREDIT UNION
Aug 18, 2008	Deed of Trust, Mortgage · Conventional Mortgage GMAC MORTGAGE LLC
Nov 29, 2018	Deed of Trust, Mortgage · Stand-Alone Refinance UNIVERSITY OF IOWA CREDIT UNION
Nov 27, 2024	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Nov 29, 2018	Warranty Deed, Transfer · Stand-Alone Refinance UNIVERSITY OF IOWA CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 27, 2024 · Amount on Record
Deed Sale	Nov 27, 2024 · Amount on Record
Prior Sale	Nov 29, 2018 · Amount on Record
Deed Document Number	202424047
Record Updated	Oct 29, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	661 JANE ST, WATERLOO, IA 50701-4315
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700018904
Date	Apr 28, 2017
Instrument	2017-00018904

Lender

Name	UNIVERSITY OF IOWA COMMUNITY CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 5, 2047

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2022
Change Frequency	Annually
Min Rate At Change	4.87%
Max Rate At Change	8.25%
Index	1-Year CMT
Max Rate	12.2%

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	661 JANE ST, WATERLOO, IA 50701-4315
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900008394
Date	Nov 29, 2018
Instrument	201900008394

Lender

Name	UNIVERSITY OF IOWA CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Dec 1, 2028

August 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	661 JANE ST, WATERLOO, IA 50701-4315
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2009003849
Date	Aug 18, 2008
Instrument	2009003849

Lender

Name	GMAC MORTGAGE LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2038

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	661 JANE ST, WATERLOO, IA 50701-4315
Transaction Type	Mortgage
Record Updated	Oct 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900008394
Date	Nov 29, 2018
Instrument	201900008394

Lender

Name	UNIVERSITY OF IOWA CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Dec 1, 2028

November 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 27, 2024
Property Address	661 JANE ST, WATERLOO, IA 50701-4315
Document Number	0202424047
Instrument Date	Nov 25, 2024
Instrument	2024-24047
Transaction Type	Transfer
Record Updated	Oct 17, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$319.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	661 JANE ST, WATERLOO, IA 50701-4315

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	661 JANE ST, WATERLOO, IA 50701-4315

Mortgage

Document Number	0202424048
Date	Nov 27, 2024
Instrument	2024-24048

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2054

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 29, 2018
Property Address	661 JANE ST, WATERLOO, IA 50701-4315
Document Number	201900008392
Instrument Date	Nov 16, 2018
Instrument	201900008392
Transaction Type	Transfer
Record Updated	Oct 17, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	661 JANE ST, WATERLOO, IA 50701-4315

Mortgage

Document Number	201900008393
Date	Nov 29, 2018
Instrument	201900008393

Lender

Name	UNIVERSITY OF IOWA CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

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	$3,810.00 (+16.23%) Homeowner's exemption	$197,550 (+22.45%) Land $26,720 Building $170,830	$197,550 (+22.45%) Land $26,720 Building $170,830
2024	$3,278.00 (+11.31%)
2023		$161,330 Land $26,720 Building $134,610	$161,330 Land $26,720 Building $134,610
2022	$2,945.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	15 (1979–2020)
Most Recent Claim	Jul 2020 · rainfall accumulation
Claims by Event	Severe Storms, Flooding, And Tornadoes, Jul 2010 · 3 claims Severe Storms & Flooding, Jul 1993 · 4 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 98.1% 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 180 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
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130

May also be available: Nextlink.

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