721 Denver St, Waterloo, IA 50702 Property Records

Black Hawk County property record for 721 Denver St, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,416 sqft · built 1910
Lot Size	0.161 acres (7,000 sqft)
Owner	Individual Name on File
Last Sale	$68,000 (Jan 2021)
Tax Bill	$2,158 (2025)
Deeds & Mortgages	Dec 2019 Refinance Jul 2021 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-26-384-017`

Property Details

APN / Parcel Number

Primary APN	`8913-26-384-017`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,416 sqft Living Area
1st Floor Area	624 sqft
Basement Area	624 sqft
Unfinished Basement	624 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	7,000 sqft (0.161 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	344 sqft
Deck Area	192 sqft
Patio Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	721 DENVER ST
City	WATERLOO
State	IA
Zip	50702-2943
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ROSEWOOD ADDITION LOT 13 BLK 1
Legal Range	13W
Legal Township	89N
Legal Section	26
Legal Subdivision	ROSEWOOD ADDITION
Legal Block	1
Legal Lot Number	13
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1028
Census Tract	200

Owner

721 Denver St is owned and occupied by an individual who bought it in January 2021.

Source: Black Hawk County records, as of September 1, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	721 DENVER ST, WATERLOO, IA 50702-2943
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance GREAT WESTERN BANK
Jul 6, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VERIDIAN CU
Jan 4, 2021	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 4, 2021 · Amount on File
Deed Sale	Jan 4, 2021 · Amount on File
Prior Sale	Jul 2, 2014 · Amount on File
Deed Document Number	202113966
Prior Transfer Date	Apr 12, 2006
Prior Transfer Doc	0200625128
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	721 DENVER ST, WATERLOO, IA 50702-2943
Transaction Type	Mortgage
Record Updated	Jan 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20202000011449
Date	Dec 23, 2019
Instrument	20202000011449

Lender

Name	GREAT WESTERN BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	721 DENVER ST, WATERLOO, IA 50702-2943
Transaction Type	Mortgage
Record Updated	Jan 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	721 DENVER ST, WATERLOO, IA 50702-2943

Mortgage

Document Number	202200000312
Date	Jul 6, 2021
Instrument	202200000312

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 20, 2036

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jan 4, 2021
Property Address	721 DENVER ST, WATERLOO, IA 50702-2943
Document Number	202100013966
Instrument Date	Dec 29, 2020
Instrument	202100013966
Transaction Type	Transfer
Record Updated	Jan 13, 2023
Title Company	TITLE SERVICES GROUP, TITLE SERVICES CORP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$108.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	721 DENVER ST, WATERLOO, IA 50702-2943
Investor	Possibly a Property Investor

Mortgage

Document Number	202100013967
Date	Jan 4, 2021
Instrument	202100013967

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 721 Denver St was $2,158, down 9.9% 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	$2,158.00 (-9.93%)	$105,770 Land $11,250 Building $94,520	$105,770 Land $11,250 Building $94,520
2024	$2,396.00
2023		$94,540 (+12.33%) Land $11,250 Building $83,290	$94,540 Land $11,250 Building $83,290
2022	$1,848.00	$84,160 Land $11,250 Building $72,910
2021			$84,160 Land $11,250 Building $72,910

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

Flood

FEMA maps place 721 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.

Wildfire

The area around 721 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.

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 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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