700 Denver St, Waterloo, IA 50702 Property Records

Black Hawk County property record for 700 Denver St, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,440 sqft · built 1916
Lot Size	0.115 acres (5,000 sqft)
Owner	Company Name on File
Tax Bill	$2,034 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Apr 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8913-26-383-003`

Property Details

APN / Parcel Number

Primary APN	`8913-26-383-003`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,440 sqft Living Area
1st Floor Area	672 sqft
Basement Area	768 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1916
Effective Year Built	Effective 1916
Exterior Material	Other
Construction Type	Frame
Foundation Type	Stone
Roof Type	Hip
Roof Material	Asphalt
Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	256 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	700 DENVER ST
City	WATERLOO
State	IA
Zip	50702-2944
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ROSEWOOD ADDITION N 50 FT LOT 1 BLK 2 N 50 FT LOT 2 BLK 2
Legal Range	13W
Legal Township	89N
Legal Section	26
Legal Subdivision	ROSEWOOD ADDITION
Legal Block	2
Legal Lot Number	1,2
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1033
Census Tract	200

Owner

700 Denver St is owned by a company that acquired it in December 2017.

Source: Black Hawk County records, as of October 9, 2026

Owner of Record	Company Name on File
Mailing Address	PO BOX 538, WATERLOO, IA 50704-0538
Owner Type	Company
Vesting	Company

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
Apr 6, 2022	Deed of Trust, Mortgage · Second Mortgage (Down Payment) CITY OF WATERLOO
Apr 10, 2017	Deed of Trust, Mortgage US BANK NA
Mar 1, 2018	Deed of Trust, Mortgage US BANK NA
Jan 4, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Dec 29, 2017
Transfer Doc	0000011436
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	700 DENVER ST, WATERLOO, IA 50702-2944
Transaction Type	Mortgage
Record Updated	Apr 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200019558
Date	Apr 6, 2022
Instrument	202200019558

Lender

Name	CITY OF WATERLOO
Type	Government Agency
Address	WATERLOO, IA 50703

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	700 DENVER ST, WATERLOO, IA 50702-2944
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700017646
Date	Apr 10, 2017
Instrument	2017-00017646

Lender

Name	US BANK NA
Type	Bank
Address	OSHKOSH, WI 54903

Agreement

Amount	Amount on Record

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	700 DENVER ST, WATERLOO, IA 50702-2944
Transaction Type	Mortgage
Record Updated	Jan 25, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800014124
Date	Mar 1, 2018
Instrument	201800014124

Lender

Name	US BANK NA
Type	Bank

Agreement

Amount	Amount on Record

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jan 4, 2018
Property Address	700 DENVER ST, WATERLOO, IA 50702-2944
Document Number	201800011436
Instrument Date	Dec 29, 2017
Instrument	2018-00011436
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 538, WATERLOO, IA 50704-0538
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 700 Denver St was $2,034, up 5.4% 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	$2,034.00 (+5.39%)	$99,630 Land $9,900 Building $89,730	$99,630 Land $9,900 Building $89,730
2024	$1,930.00
2023		$88,950 (+21.73%) Land $9,900 Building $79,050	$88,950 Land $9,900 Building $79,050
2022	$1,604.00	$73,070 Land $9,900 Building $63,170
2021			$73,070 Land $9,900 Building $63,170

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

Flood

FEMA maps place 700 Denver St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1980.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1980)
Most Recent Claim	Jul 1980 · rainfall accumulation

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

The area around 700 Denver 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.

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 734 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 · Fiber in parts of the area	1,000 / 50

May also be available: GigFire, Nextlink, T-Mobile, Verizon.

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