Black Hawk County property record for 716 Stephan Ave, Waterloo, IA 50701
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 1,800 sqft · built 1961 |
| Lot Size | 0.281 acres (12,250 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,252 (2025) |
| Deeds & Mortgages | Apr 2024 Reverse Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 8913-21-405-006 |
| Primary APN | 8913-21-405-006 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 3 Half Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,800 sqft Living Area |
| 1st Floor Area | 864 sqft |
| Basement Area | 864 sqft |
| Finished Basement | 375 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1961 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,250 sqft (0.281 acres) |
| Lot Dimensions | 98 ft deep x 125 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 3 Parking Spaces |
| Porch | Porch |
| Porch Area | 180 sqft |
| Patio Area | 840 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 716 STEPHAN AVE |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50701-2038 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | UNPLATTED WLOO WEST PART W 1/2 SE SEC 21 T 89 R 13 COM AT PT ON W LINE SE 1/4 1160.78 FT S OF CENTER LINE SEC 21 TH S 58 DEG |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 21 |
| Legal Subdivision | UNPLATTED WLOO WEST |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 1503 |
716 Stephan Ave is owned and occupied by two individuals who acquired it in June 2007.
Source: Black Hawk County records, as of September 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 716 STEPHAN AVE, WATERLOO, IA 50701-2038 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jun 8, 2007 |
| Transfer Doc | 2007026190 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 716 STEPHAN AVE, WATERLOO, IA 50701-2038 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2024 |
| Name | Verified Name |
|---|---|
| Address | 716 STEPHAN AVE, WATERLOO, IA 50701-2038 |
| Document Number | 202400011987 |
|---|---|
| Date | Apr 1, 2024 |
| Instrument | 202400011987 |
| Name | UNITE CU |
|---|---|
| Type | Credit Union |
| Address | 802 W 29TH ST, CEDAR FALLS, IA 50613 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Apr 1, 2034 |
The 2025 property tax bill for 716 Stephan Ave was $4,252 with a homeowner's exemption, down 7.3% 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 | $4,252.00 (-7.28%) Homeowner's exemption | $219,190 Land $33,580 Building $185,610 | $219,190 Land $33,580 Building $185,610 |
| 2024 | $4,586.00 | ||
| 2023 | $221,640 (+24.52%) Land $33,580 Building $188,060 | $221,640 Land $33,580 Building $188,060 | |
| 2022 | $3,714.00 Homeowner's exemption | $178,000 Land $33,580 Building $144,420 | |
| 2021 | $178,000 Land $33,580 Building $144,420 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 716 Stephan Ave in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 27, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 716 Stephan Ave is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 91% of Iowa |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 407 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Mediacom Xtream Cable | 1,000 / 50 |
| CenturyLink DSL | 140 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: GigFire, Nextlink, Verizon.
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