731 Stephan Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 731 Stephan Ave, Waterloo, IA 50701

Property Summary

Property Type	Duplex
Details	4 bd · 2.5 ba · 1,650 sqft · built 1960
Lot Size	0.186 acres (8,120 sqft)
Owner	Company Name on File
Last Sale	$185,000 (Sep 2026)
Tax Bill	$3,466 (2025)
Deeds & Mortgages	Sep 2026 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`8913-21-452-023`

Property Details

APN / Parcel Number

Primary APN	`8913-21-452-023`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,650 sqft Living Area
1st Floor Area	1,650 sqft
Basement Area	1,650 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	A-Frame
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	8,120 sqft (0.186 acres)
Lot Dimensions	116 ft deep x 70 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Patio Area	224 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	731 STEPHAN AVE
City	WATERLOO
State	IA
Zip	50701-2037
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	HANSEN NOBLE ADDITION LOT 51
Legal Range	13W
Legal Township	89N
Legal Section	21
Legal Subdivision	HANSEN NOBLE ADDITION
Legal Lot Number	51
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1020
Census Tract	1503

Owner

731 Stephan Ave, a duplex, is owned by a company that bought it in September 2026.

Source: Black Hawk County records, as of September 14, 2026

Owner of Record	Company Name on File
Mailing Address	2021 MAIN ST, CEDAR FALLS, IA 50613-4215
Owner Type	Company
Vesting	Limited Liability Partnership

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 2, 2026 · Amount on File
Deed Sale	Sep 2, 2026 · Amount on File
Prior Sale	Aug 29, 2007 · Amount on File
Deed Document Number	202613336
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 2, 2026
Property Address	731 STEPHAN AVE, WATERLOO, IA 50701-2037
Document Number	0000013336
Instrument Date	Sep 1, 2026
Instrument	202613336
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$29,815.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	2021 MAIN ST, CEDAR FALLS, IA 50613-4215

Mortgage

Document Number	0000013337,
Date	Sep 2, 2026
Instrument	202613337

Lender

Name	BANKIOWA

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 731 Stephan Ave was $3,466, down 7.1% 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	$3,466.00 (-7.08%)	$169,850 Land $21,390 Building $148,460	$169,850 Land $21,390 Building $148,460
2024	$3,730.00
2023		$171,940 (+27.17%) Land $21,390 Building $150,550	$171,940 Land $21,390 Building $150,550
2022	$2,970.00	$135,200 Land $21,390 Building $113,810
2021			$135,200 Land $21,390 Building $113,810

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

Flood

FEMA maps place 731 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

Wildfire risk around 731 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.

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 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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