Black Hawk County property record for 707 Denver St, Waterloo, IA 50702
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,518 sqft · built 1911 |
| Lot Size | 0.17 acres (7,420 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,324 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Jul 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 8913-26-384-019 |
| Primary APN | 8913-26-384-019 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,518 sqft Living Area |
| 1st Floor Area | 752 sqft |
| Basement Area | 752 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1911 |
|---|---|
| Effective Year Built | Effective 1911 |
| Exterior Material | Aluminum Siding |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 7,420 sqft (0.17 acres) |
| Lot Dimensions | 140 ft deep x 53 ft wide |
| Garage Type | Detached |
| Garage Area | 204 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 239 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 707 DENVER ST |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50702-2943 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ROSEWOOD ADDITION LOT 15 BLK 1 |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 26 |
| Legal Subdivision | ROSEWOOD ADDITION |
| Legal Block | 1 |
| Legal Lot Number | 15 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 200 |
707 Denver St is owned and occupied by two individuals.
Source: Black Hawk County records, as of September 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 707 DENVER ST, WATERLOO, IA 50702-2943 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Dec 15, 2025 | Deed of Trust, Mortgage · Line of Credit VERIDIAN CU |
| Jul 19, 2023 | Deed of Trust, Mortgage · Line of Credit DUPACO COMMUNITY CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 707 DENVER ST, WATERLOO, IA 50702-2943 |
| Transaction Type | Mortgage |
| Record Updated | Dec 25, 2025 |
| Name | Verified Name |
|---|---|
| Address | 707 DENVER ST, WATERLOO, IA 50702-2943 |
| Document Number | 0202518353 |
|---|---|
| Date | Dec 15, 2025 |
| Instrument | 2025-18353 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | PO BOX 6000, WATERLOO, IA 50704 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Dec 14, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 707 DENVER ST, WATERLOO, IA 50702-2943 |
| Transaction Type | Mortgage |
| Record Updated | Aug 7, 2023 |
| Name | Verified Name |
|---|
| Document Number | 202400000817 |
|---|---|
| Date | Jul 19, 2023 |
| Instrument | 202400000817 |
| Name | DUPACO COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | DUBUQUE, IA 52001 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Jul 18, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 707 Denver St was $1,324 with a homeowner's exemption, down 16.5% from the year before.
Source: Black Hawk County assessment roll, as of October 17, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,324.00 (-16.47%) Homeowner's exemption | $90,370 Land $11,930 Building $78,440 | $90,370 Land $11,930 Building $78,440 |
| 2024 | $1,585.00 | ||
| 2023 | $80,830 (+11.27%) Land $11,930 Building $68,900 | $80,830 Land $11,930 Building $68,900 | |
| 2022 | $1,400.00 Homeowner's exemption | $72,640 Land $11,930 Building $60,710 | |
| 2021 | $72,640 Land $11,930 Building $60,710 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 707 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.
The area around 707 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.
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 |
| 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.
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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