735 Jane St, Waterloo, IA 50701 Property Records

Black Hawk County property record for 735 Jane St, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 906 sqft · built 1974
Lot Size	0.171 acres (7,440 sqft)
Owner	Individual Name on Record
Last Sale	$119,000 (Mar 2005)
Tax Bill	$3,334 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Jun 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-33-407-002`

Property Details

APN / Parcel Number

Primary APN	`8913-33-407-002`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Building Area	906 sqft Living Area
1st Floor Area	906 sqft
Basement Area	906 sqft
Finished Basement	500 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Split Foyer
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,440 sqft (0.171 acres)
Lot Dimensions	120 ft deep x 62 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	170 sqft
Patio Area	170 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	735 JANE ST
City	WATERLOO
State	IA
Zip	50701-4338
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	JANE ADDITION LOT 18
Legal Range	13W
Legal Township	89N
Legal Section	33
Legal Subdivision	JANE ADDITION
Legal Lot Number	18
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1013
Census Tract	1501

Owner

Source: Black Hawk County records, as of September 1, 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	735 JANE ST, WATERLOO, IA 50701-4338
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2022	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Jun 2, 2022	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
Jul 29, 2019	Deed of Trust, Mortgage · ARM VERIDIAN CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2005 · Amount on Record
Deed Sale	Mar 31, 2005 · Amount on Record
Deed Document Number	200522434
Last Transfer Date	May 7, 2010
Transfer Doc	2010023326
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	735 JANE ST, WATERLOO, IA 50701-4338
Transaction Type	Mortgage
Record Updated	Aug 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	735 JANE ST, WATERLOO, IA 50701-4338

Mortgage

Document Number	202300002380
Date	Aug 10, 2022
Instrument	202300002380

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Aug 9, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	735 JANE ST, WATERLOO, IA 50701-4338
Transaction Type	Mortgage
Record Updated	Jun 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	735 JANE ST, WATERLOO, IA 50701-4338

Mortgage

Document Number	202200023330
Date	Jun 2, 2022
Instrument	202200023330

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Jun 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.75%
Index	1-Year CMT
Max Rate	9.75%

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	735 JANE ST, WATERLOO, IA 50701-4338
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000001795
Date	Jul 29, 2019
Instrument	202000001795

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	5.1%
Type Change Date	Aug 1, 2029
Index	Other

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	$3,334.00 (-2.63%) Homeowner's exemption	$174,230 (+13.43%) Land $22,090 Building $152,140	$174,230 (+13.43%) Land $22,090 Building $152,140
2024	$3,424.00 (+11.24%)
2023		$153,600 (+14%) Land $22,090 Building $131,510	$153,600 (+14%) Land $22,090 Building $131,510
2022	$3,078.00 Homeowner's exemption	$134,740 Land $22,090 Building $112,650
2021			$134,740 Land $22,090 Building $112,650

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	15 (1979–2020)
Most Recent Claim	Jul 2020 · rainfall accumulation
Claims by Event	Severe Storms, Flooding, And Tornadoes, Jul 2010 · 3 claims Severe Storms & Flooding, Jul 1993 · 4 claims

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	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 180 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	1,000 / 50
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130

May also be available: Nextlink.

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