Black Hawk County property record for 725 Stephan Ave, Waterloo, IA 50701
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,657 sqft · built 1955 |
| Lot Size | 0.188 acres (8,190 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,734 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 8913-21-452-024 |
| Primary APN | 8913-21-452-024 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,657 sqft Living Area |
| 1st Floor Area | 872 sqft |
| Attic | Attic |
| Attic Area | 305 sqft |
| Basement Area | 872 sqft |
| Finished Basement | 300 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,190 sqft (0.188 acres) |
| Lot Dimensions | 117 ft deep x 70 ft wide |
| Garage Type | Detached |
| Garage Area | 816 sqft |
| Parking Spaces | 3 Parking Spaces |
| Deck Area | 108 sqft |
| Patio Area | 156 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 725 STEPHAN AVE |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50701-2037 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HANSEN NOBLE ADDITION LOT 52 |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 21 |
| Legal Subdivision | HANSEN NOBLE ADDITION |
| Legal Lot Number | 52 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 1503 |
725 Stephan Ave is owned and occupied by two individuals.
Source: Black Hawk County records, as of September 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 725 STEPHAN AVE, WATERLOO, IA 50701-2037 |
| 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 |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 725 Stephan Ave was $3,734 with a homeowner's exemption, down 7.8% 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 | $3,734.00 (-7.85%) Homeowner's exemption | $208,410 Land $21,390 Building $187,020 | $208,410 Land $21,390 Building $187,020 |
| 2024 | $4,052.00 | ||
| 2023 | $210,750 (+27.02%) Land $21,390 Building $189,360 | $210,750 Land $21,390 Building $189,360 | |
| 2022 | $3,450.00 Homeowner's exemption | $165,920 Land $21,390 Building $144,530 | |
| 2021 | $165,920 Land $21,390 Building $144,530 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 725 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 725 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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