726 Willow St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 726 Willow St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,064 sqft · built 2011
Lot Size	0.212 acres (9,240 sqft)
Owner	Individual Name on File
Last Sale	$103,000 (Apr 2022)
Tax Bill	$2,004 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Apr 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-24-427-022`

Property Details

APN / Parcel Number

Primary APN	`8913-24-427-022`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,064 sqft Living Area
1st Floor Area	1,064 sqft
Basement Area	1,064 sqft
Unfinished Basement	1,064 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,240 sqft (0.212 acres)
Lot Dimensions	154 ft deep x 60 ft wide

Exterior Amenities

Porch	Slab
Porch Area	56 sqft
Deck Area	Deck Area
Patio Area	20 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	726 WILLOW ST
City	WATERLOO
State	IA
Zip	50703-3366
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SHILLIAMS 2ND SUBDIVISION LOT 5
Legal Range	13W
Legal Township	89N
Legal Section	24
Legal Subdivision	SHILLIAMS 2ND SUBDIVISION
Legal Lot Number	5
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1053
Census Tract	1800

Owner

726 Willow St is owned and occupied by an individual who bought it in April 2022.

Source: Black Hawk County records, as of September 15, 2026

Owner of Record	Individual Name on File
Mailing Address	726 WILLOW ST, WATERLOO, IA 50703-3366
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

Date	Document
Sep 8, 2026	Deed of Trust, Mortgage · Line of Credit DUPACO COMMUNITY CREDIT UNION
Apr 21, 2022	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 21, 2022 · Amount on File
Deed Sale	Apr 21, 2022 · Amount on File
Prior Sale	Aug 18, 2011 · Amount on File
Deed Document Number	202220492
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 8, 2026
Property Address	726 WILLOW ST, WATERLOO, IA 50703-3366
Document Number	0000013589
Instrument Date	Sep 8, 2026
Instrument	202613589
Transaction Type	Mortgage
Record Updated	Sep 15, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013589,
Date	Sep 8, 2026
Instrument	202613589

Lender

Name	DUPACO COMMUNITY CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

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

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 21, 2022
Property Address	726 WILLOW ST, WATERLOO, IA 50703-3366
Document Number	202200020492
Instrument Date	Apr 19, 2022
Instrument	202200020492
Transaction Type	Transfer
Record Updated	May 4, 2022
Title Company	BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK CNTY ABSTRACT CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$164.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	726 WILLOW ST, WATERLOO, IA 50703-3366

Mortgage

Document Number	202200020493
Date	Apr 21, 2022
Instrument	202200020493

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 726 Willow St was $2,004 with a homeowner's exemption, up 27% 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	$2,004.00 (+27%) Homeowner's exemption	$109,090 Land $9,890 Building $99,200	$109,090 Land $9,890 Building $99,200
2024	$1,578.00
2023		$82,990 (+25.63%) Land $9,890 Building $73,100	$82,990 Land $9,890 Building $73,100
2022	$1,256.00 Homeowner's exemption	$66,060 Land $9,890 Building $56,170
2021			$66,060 Land $9,890 Building $56,170

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

Flood

FEMA maps place 726 Willow St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 726 Willow St 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 99.8% of the US · lower than 98.1% 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.

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 261 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
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink, T-Mobile.

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