705 W 5th St, Waterloo, IA 50702 Property Records

Black Hawk County property record for 705 W 5th St, Waterloo, IA 50702

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	864 sqft · built 1977
Lot Size	0.047 acres (2,040 sqft)
Owner	Individual Name on File
Last Sale	$5,000 (Apr 2015)
Tax Bill	$866 (2025)
Deeds & Mortgages	May 2019 Refinance May 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`8913-26-406-018`

Property Details

APN / Parcel Number

Primary APN	`8913-26-406-018`

Interior

Stories	1 Story
Building Area	864 sqft Gross Area
1st Floor Area	864 sqft
Flooring	Tile
Interior Walls	Paneling

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Wood
Construction Type	Frame
Fire Resistance	Wood or Wood & Steel Frame
Roof Material	Shingle
Lot Area	2,040 sqft (0.047 acres)
Lot Dimensions	60 ft deep x 34 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	705 W 5TH ST
City	WATERLOO
State	IA
Zip	50702-1539
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	DOES ADDITION SW 34 FT NE 74 FT LOT 5 BLK 18
Legal Range	13W
Legal Township	89N
Legal Section	26
Legal Subdivision	DOES ADDITION
Legal Block	18
Legal Lot Number	5
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2019
Census Tract	200

Owner

705 W 5th St, a commercial property, is owned by an individual who bought it in April 2015.

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

Owner of Record	Individual Name on File
Mailing Address	705 W 5TH ST, WATERLOO, IA 50702-1539
Owner Type	Individual

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
May 28, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance COLLINS COMMUNITY CREDIT UNION
May 28, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 2, 2015 · Amount on File
Deed Sale	Apr 2, 2015 · Amount on File
Deed Document Number	201515610
Record Updated	Oct 29, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	705 W 5TH ST, WATERLOO, IA 50702-1539
Transaction Type	Mortgage
Record Updated	Oct 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900017800
Date	May 28, 2019
Instrument	201900017800

Lender

Name	COLLINS COMMUNITY CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 28, 2019
Property Address	705 W 5TH ST, WATERLOO, IA 50702-1539
Document Number	201900017799
Instrument Date	May 13, 2019
Instrument	201900017799
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	705 W 5TH ST, WATERLOO, IA 50702-1539

Tax Assessment & Valuation

The 2025 property tax bill for 705 W 5th St was $866, down 5.9% 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	$866.00 (-5.87%)	$42,440 Land $5,100 Building $37,340	$42,440 Land $5,100 Building $37,340
2024	$920.00
2023		$42,440 (+9.58%) Land $5,100 Building $37,340	$42,440 Land $5,100 Building $37,340
2022	$850.00	$38,730 Land $4,080 Building $34,650
2021			$38,730 Land $4,080 Building $34,650

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

Flood

FEMA maps place 705 W 5th St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 AO, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

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 705 W 5th 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 385 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

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

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