710 Elm St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 710 Elm St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	6 bd · 2 ba · 1,450 sqft · built 1892
Lot Size	0.096 acres (4,200 sqft)
Owner	Individual Name on Record
Last Sale	$115,000 (Jun 2023)
Tax Bill	$1,780 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-25-204-013`

Property Details

APN / Parcel Number

Primary APN	`8913-25-204-013`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,450 sqft Living Area
1st Floor Area	1,000 sqft
Attic	Attic
Attic Area	450 sqft
Basement Area	1,000 sqft
Unfinished Basement	1,000 sqft
Flooring	Vinyl/Resilient
Interior Walls	Plaster

Exterior

Year Built	Built 1892
Effective Year Built	Effective 1892
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,200 sqft (0.096 acres)
Lot Dimensions	60 ft deep x 70 ft wide
Garage Type	Detached
Garage Area	252 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	126 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	710 ELM ST
City	WATERLOO
State	IA
Zip	50703-4008
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LANE AND FOWLERS ADDITION N 1/2 LOT 5 BLK 1
Legal Range	13W
Legal Township	89N
Legal Section	25
Legal Subdivision	LANE AND FOWLERS ADDITION
Legal Block	1
Legal Lot Number	5
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1009
Census Tract	700

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	710 ELM ST, WATERLOO, IA 50703-4008
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2023 · Amount on Record
Deed Sale	Jun 1, 2023 · Amount on Record
Prior Sale	Mar 16, 2023 · Amount on Record
Deed Document Number	202316077
Record Updated	Oct 29, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 1, 2023
Property Address	710 ELM ST, WATERLOO, IA 50703-4008
Document Number	202300016077
Instrument Date	May 25, 2023
Instrument	202300016077
Transaction Type	Transfer
Record Updated	Jun 15, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$183.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	710 ELM ST, WATERLOO, IA 50703-4008

Mortgage

Document Number	202300016078
Date	Jun 1, 2023
Instrument	202300016078

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2053

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	$1,780.00 (+16.04%)	$87,190 (+25.82%) Land $4,990 Building $82,200	$87,190 (+25.82%) Land $4,990 Building $82,200
2024	$1,534.00 (+56.85%)
2023		$69,300 (+55.52%) Land $4,990 Building $64,310	$69,300 (+55.52%) Land $4,990 Building $64,310
2022	$978.00	$44,560 Land $4,990 Building $39,570
2021			$44,560 Land $4,990 Building $39,570

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 Claims	2 (1979–1980)
Most Recent Claim	Jun 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 332 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

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