701 Stephan Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 701 Stephan Ave, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 864 sqft · built 1954
Lot Size	0.193 acres (8,400 sqft)
Owner	Individual Name on Record
Last Sale	$86,500 (Jan 2018)
Tax Bill	$2,458 (2025)
Deeds & Mortgages	May 2023 Second Mortgage Jan 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8913-21-452-001`

Property Details

APN / Parcel Number

Primary APN	`8913-21-452-001`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	864 sqft Living Area
1st Floor Area	864 sqft
Basement Area	864 sqft
Finished Basement	350 sqft
Unfinished Basement	864 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,400 sqft (0.193 acres)
Lot Dimensions	120 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Deck Area	256 sqft
Patio Area	476 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	701 STEPHAN AVE
City	WATERLOO
State	IA
Zip	50701-2037
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HANSEN NOBLE ADDITION LOT 56
Legal Range	13W
Legal Township	89N
Legal Section	21
Legal Subdivision	HANSEN NOBLE ADDITION
Legal Lot Number	56
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1020
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	Individual Name on Record
Mailing Address	701 STEPHAN AVE, WATERLOO, IA 50701-2037
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 23, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CEDAR FALLS COMMUNITY CU
Jan 25, 2018	Deed of Trust, Mortgage VERIDIAN CREDIT UNION
Feb 27, 2019	Quit Claim Deed, Transfer Quitclaim
Jan 5, 2018	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 5, 2018 · Amount on Record
Deed Sale	Jan 5, 2018 · Amount on Record
Prior Sale	Aug 3, 2006 · Amount on Record
Deed Document Number	201811481
Last Transfer Date	Feb 22, 2019
Transfer Doc	0000012965
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	701 STEPHAN AVE, WATERLOO, IA 50701-2037
Transaction Type	Mortgage
Record Updated	Jun 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	701 STEPHAN AVE, WATERLOO, IA 50701-2037

Mortgage

Document Number	202300015660
Date	May 23, 2023
Instrument	202300015660

Lender

Name	CEDAR FALLS COMMUNITY CU
Type	Credit Union
Address	CEDAR FALLS, IA 50613

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	May 15, 2033

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	701 STEPHAN AVE, WATERLOO, IA 50701-2037
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800012415
Date	Jan 25, 2018
Instrument	201800012415

Lender

Name	VERIDIAN CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Jan 1, 2028

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Feb 27, 2019
Property Address	701 STEPHAN AVE, WATERLOO, IA 50701-2037
Document Number	201900012965
Instrument Date	Feb 22, 2019
Instrument	201900012965
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	701 STEPHAN AVE, WATERLOO, IA 50701-2037

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jan 5, 2018
Property Address	701 STEPHAN AVE, WATERLOO, IA 50701-2037
Document Number	201800011481
Instrument Date	Dec 29, 2017
Instrument	2018-00011481
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	701 STEPHAN AVE, WATERLOO, IA 50701-2037

Mortgage

Document Number	201800011482
Date	Jan 5, 2018
Instrument	2018-00011482

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 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	$2,458.00 (-7.66%) Homeowner's exemption	$131,370 (-1.14%) Land $21,610 Building $109,760	$131,370 (-1.14%) Land $21,610 Building $109,760
2024	$2,662.00 (+22.56%)
2023		$132,890 (+23.35%) Land $21,610 Building $111,280	$132,890 (+23.35%) Land $21,610 Building $111,280
2022	$2,172.00 Homeowner's exemption	$107,730 Land $21,610 Building $86,120
2021			$107,730 Land $21,610 Building $86,120

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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