705 Wallgate Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 705 Wallgate Ave, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,197 sqft · built 1909
Lot Size	0.23 acres (10,000 sqft)
Owner	Individual Name on File
Last Sale	$85,000 (Apr 2023)
Tax Bill	$3,218 (2025)
Deeds & Mortgages	Apr 2023 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`8913-22-333-024`

Property Details

APN / Parcel Number

Primary APN	`8913-22-333-024`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,197 sqft Living Area
1st Floor Area	704 sqft
Basement Area	704 sqft
Finished Basement	450 sqft
Unfinished Basement	704 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,000 sqft (0.23 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Type	Detached
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces
Porch	Enclosed Porch
Porch Area	662 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	705 WALLGATE AVE
City	WATERLOO
State	IA
Zip	50701-6135
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GALLOWAY ADDITION WATERLOO LOT 153 AND 154
Legal Range	13W
Legal Township	89N
Legal Section	22
Legal Subdivision	GALLOWAY ADDITION WATERLOO
Legal Lot Number	153,154
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1027
Census Tract	400

Owner

Source: Black Hawk County records · APN 8913-22-333-024

Assessment roll updated October 17, 2025 · Last verified June 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 File
Mailing Address	329 LULU ST, WATERLOO, IA 50701-2915
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 03, 2023 · Amount on Record
Deed Sale	Apr 03, 2023 · Amount on Record
Prior Sale	Nov 10, 2008 · Amount on Record
Deed Document Number	202313249
Record Updated	Sep 20, 2026

April 2023: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 03, 2023
Property Address	705 WALLGATE AVE, WATERLOO, IA 50701-6135
Document Number	202300013249
Instrument Date	Mar 31, 2023
Instrument	202300013249
Transaction Type	Foreclosure
Record Updated	Aug 10, 2023
Title Company	TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$135.20
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	705 WALLGATE AVE, WATERLOO, IA 50701-6135

Mortgage

Document Number	202300013250
Date	Apr 03, 2023
Instrument	202300013250

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.5%
Type Change Date	Apr 01, 2033
Change Frequency	Annually
Min Rate At Change	5.5%
Max Rate At Change	9.5%
Index	1-Year T-Bill
Max Rate	13.5%

Tax Assessment & Valuation

Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified June 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,218.00	$180,760 (+21.84%) Land $25,220 Building $155,540	$180,760 (+21.84%) Land $25,220 Building $155,540
2024	$3,218.00 (+34.64%)
2023		$148,360 (+26.06%) Land $25,220 Building $123,140	$148,360 (+26.06%) Land $25,220 Building $123,140
2022	$2,390.00 Homeowner's exemption	$117,690 Land $25,220 Building $92,470
2021			$117,690 Land $25,220 Building $92,470

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 27, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Metronet Holdings Fiber	5,120 / 5,120
Mediacom Communications Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: AMG Technology Investment Group, LTD Broadband.

Based on FCC filings for 625 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	WATERLOO WATER WORKS serves 69,504 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.