725 Dena St, Waterloo, IA 50702 Property Records

Black Hawk County property record for 725 Dena St, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 864 sqft · built 1960
Lot Size	0.171 acres (7,440 sqft)
Owner	Individual Name on Record
Last Sale	$152,000 (Nov 2023)
Tax Bill	$2,870 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Sep 2025 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`8913-36-253-030`

Property Details

APN / Parcel Number

Primary APN	`8913-36-253-030`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	864 sqft Living Area
1st Floor Area	864 sqft
Basement Area	864 sqft
Finished Basement	600 sqft
Unfinished Basement	864 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Metal
Lot Area	7,440 sqft (0.171 acres)
Lot Dimensions	120 ft deep x 62 ft wide
Garage Type	Detached
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Deck Area	144 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	725 DENA ST
City	WATERLOO
State	IA
Zip	50702-1805
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ROLLING ACRES FIRST ADDITION LOT 20
Legal Range	13W
Legal Township	89N
Legal Section	36
Legal Subdivision	ROLLING ACRES FIRST ADDITION
Legal Lot Number	20
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2012
Census Tract	1000

Owner

Source: Black Hawk County records, as of September 25, 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	725 DENA ST, WATERLOO, IA 50702-1805
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2026	Deed of Trust, Mortgage · Line of Credit UNION CREDIT UNION
Sep 19, 2025	Deed of Trust, Mortgage · Line of Credit UNITE CU
Nov 1, 2019	Deed of Trust, Mortgage · Balloon Mortgage VERIDIAN CREDIT UNION
Dec 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANKIOWA
Nov 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANKIOWA
Nov 9, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 9, 2023 · Amount on Record
Deed Sale	Nov 9, 2023 · Amount on Record
Prior Sale	Nov 9, 2022 · Amount on Record
Deed Document Number	20237465
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 18, 2026
Property Address	725 DENA ST, WATERLOO, IA 50702-1805
Document Number	0000014236
Instrument Date	Sep 8, 2026
Instrument	202614236
Transaction Type	Mortgage
Record Updated	Sep 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	725 DENA ST, WATERLOO, IA 50702-1805

Mortgage

Document Number	0000014236,
Date	Sep 18, 2026
Instrument	202614236

Lender

Name	UNION CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Sep 15, 2041

Interest

Max Rate	-1%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	725 DENA ST, WATERLOO, IA 50702-1805
Transaction Type	Mortgage
Record Updated	Oct 1, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	725 DENA ST, WATERLOO, IA 50702-1805

Mortgage

Document Number	0202513782
Date	Sep 19, 2025
Instrument	2025-13782

Lender

Name	UNITE CU
Type	Credit Union
Address	403 WASHINGTON ST, CEDAR FALLS, IA 50613

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Sep 15, 2035

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	725 DENA ST, WATERLOO, IA 50702-1805
Transaction Type	Mortgage
Record Updated	Nov 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000008197
Date	Nov 1, 2019
Instrument	202000008197

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	725 DENA ST, WATERLOO, IA 50702-1805
Transaction Type	Mortgage
Record Updated	Nov 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200011897
Date	Dec 6, 2021
Instrument	202200011897

Lender

Name	BANKIOWA
Type	Bank
Address	INDEPENDENCE, IA 50644

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	725 DENA ST, WATERLOO, IA 50702-1805
Transaction Type	Mortgage
Record Updated	Nov 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200010826
Date	Nov 19, 2021
Instrument	202200010826

Lender

Name	BANKIOWA
Type	Bank
Address	INDEPENDENCE, IA 50644

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2041

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 9, 2022
Property Address	725 DENA ST, WATERLOO, IA 50702-1805
Document Number	202300007465
Instrument Date	Oct 31, 2022
Instrument	202300007465
Transaction Type	Transfer
Record Updated	Nov 22, 2022
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$242.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	725 DENA ST, WASHBURN, IA 50702-1805

Mortgage

Document Number	202300007466
Date	Nov 9, 2022
Instrument	202300007466

Lender

Name	UNITE CU
Type	Credit Union
Address	CEDAR FALLS, IA 50613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

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	$2,870.00 (+4.67%) Homeowner's exemption	$151,510 (+11.3%) Land $20,620 Building $130,890	$151,510 (+11.3%) Land $20,620 Building $130,890
2024	$2,742.00 (+24.98%)
2023		$136,130 (+25.14%) Land $20,620 Building $115,510	$136,130 (+25.14%) Land $20,620 Building $115,510
2022	$2,194.00 Homeowner's exemption	$108,780 Land $20,620 Building $88,160
2021			$108,780 Land $20,620 Building $88,160

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

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 Policies	1 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

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 353 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
GigFire Fixed Wireless	150 / 130
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink, Waterloo Fiber.

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