714 South St, Waterloo, IA 50701 Property Records

Black Hawk County property record for 714 South St, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,436 sqft · built 1896
Lot Size	0.125 acres (5,460 sqft)
Owner	2 Individual Names on File
Last Sale	$67,500 (Jun 2005)
Tax Bill	$1,326 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`8913-26-403-006`

Property Details

APN / Parcel Number

Primary APN	`8913-26-403-006`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	3 Half Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,436 sqft Living Area
1st Floor Area	708 sqft
Basement Area	708 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1896
Effective Year Built	Effective 1896
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Hip
Roof Material	Asphalt
Lot Area	5,460 sqft (0.125 acres)
Lot Dimensions	140 ft deep x 39 ft wide
Garage Type	Detached
Garage Area	308 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	258 sqft
Deck Area	230 sqft
Patio Area	230 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	714 SOUTH ST
City	WATERLOO
State	IA
Zip	50701-1530
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOES ADDITION SE 39 FT LOT 3 BLK 14
Legal Range	13W
Legal Township	89N
Legal Section	26
Legal Subdivision	DOES ADDITION
Legal Block	14
Legal Lot Number	3
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2026
Census Tract	200

Owner

714 South St is owned and occupied by two individuals who bought it in June 2005.

Source: Black Hawk County records, as of October 5, 2026

Owner of Record	2 Individual Names on File
Mailing Address	714 SOUTH ST, WATERLOO, IA 50701-1530
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 16, 2005 · Amount on File
Deed Sale	Jun 16, 2005 · Amount on File
Deed Document Number	200529235
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 28, 2026
Property Address	714 SOUTH ST, WATERLOO, IA 50701-1530
Document Number	0000014737
Instrument Date	Sep 21, 2026
Instrument	202614737
Transaction Type	Mortgage
Record Updated	Oct 5, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	714 SOUTH ST, WATERLOO, IA 50701-1530

Mortgage

Document Number	0000014737,
Date	Sep 28, 2026
Instrument	202614737

Lender

Name	FIRST BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Sep 1, 2036

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 714 South St was $1,326 with a homeowner's exemption, down 19.7% 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	$1,326.00 (-19.73%) Homeowner's exemption	$75,910 Land $7,410 Building $68,500	$75,910 Land $7,410 Building $68,500
2024	$1,652.00
2023		$71,310 (+17.31%) Land $7,410 Building $63,900	$71,310 Land $7,410 Building $63,900
2022	$1,140.00 Homeowner's exemption	$60,790 Land $7,410 Building $53,380
2021			$60,790 Land $7,410 Building $53,380

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

Flood

FEMA maps place 714 South 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 714 South 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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