702 Baltimore St, Waterloo, IA 50702 Property Records

Black Hawk County property record for 702 Baltimore St, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,516 sqft · built 1929
Lot Size	0.103 acres (4,500 sqft)
Owner	Individual Name on Record
Last Sale	$102,500 (Nov 2024)
Tax Bill	$1,738 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Dec 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`8913-26-384-003`

Property Details

APN / Parcel Number

Primary APN	`8913-26-384-003`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,516 sqft Living Area
1st Floor Area	624 sqft
Basement Area	736 sqft
Finished Basement	380 sqft
Unfinished Basement	736 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1929
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood
Lot Area	4,500 sqft (0.103 acres)
Lot Dimensions	90 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Deck Area	176 sqft
Patio Area	176 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	702 BALTIMORE ST
City	WATERLOO
State	IA
Zip	50702-3010
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ROSEWOOD ADDITION E 90 FT LOT 1 BLK 1
Legal Range	13W
Legal Township	89N
Legal Section	26
Legal Subdivision	ROSEWOOD ADDITION
Legal Block	1
Legal Lot Number	1
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1028
Census Tract	200

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	702 BALTIMORE ST, WATERLOO, IA 50702-3010
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2023	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Dec 28, 2020	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 7, 2024 · Amount on Record
Deed Sale	Nov 7, 2024 · Amount on Record
Prior Sale	Nov 7, 2023 · Amount on Record
Deed Document Number	20246092
Prior Transfer Date	Mar 4, 2020
Prior Transfer Doc	0000013467
Record Updated	Oct 29, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 7, 2023
Property Address	702 BALTIMORE ST, WATERLOO, IA 50702-3010
Document Number	202400006092
Instrument Date	Nov 2, 2023
Instrument	202400006092
Transaction Type	Transfer
Record Updated	Nov 22, 2023
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$163.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	702 BALTIMORE ST, WATERLOO, IA 50702-3010

Mortgage

Document Number	202400006093
Date	Nov 7, 2023
Instrument	202400006093

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.62%
Type Change Date	Dec 1, 2028
Change Frequency	Annually
Min Rate At Change	5.62%
Max Rate At Change	9.62%
Index	1-Year T-Bill
Max Rate	13.6%

Mortgage

Document Number	202400006094
Date	Nov 7, 2023
Instrument	202400006094

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	85 Months
Due	Dec 1, 2030

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BLACK HAWK IA
Recording Date	Dec 28, 2020
Property Address	702 BALTIMORE ST, WATERLOO, IA 50702-3010
Document Number	202100013467
Instrument Date	Mar 4, 2020
Instrument	202100013467
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	702 BALTIMORE ST, WATERLOO, IA 50702-3010

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	$1,738.00 (+4.95%) Homeowner's exemption	$96,030 (+10.89%) Land $9,340 Building $86,690	$96,030 (+10.89%) Land $9,340 Building $86,690
2024	$1,656.00 (+12.04%)
2023		$86,600 (+13.66%) Land $9,340 Building $77,260	$86,600 (+13.66%) Land $9,340 Building $77,260
2022	$1,478.00 Homeowner's exemption	$76,190 Land $9,340 Building $66,850
2021			$76,190 Land $9,340 Building $66,850

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
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

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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