739 May St, Waterloo, IA 50701 Property Records

Black Hawk County property record for 739 May St, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,248 sqft · built 1974
Lot Size	0.179 acres (7,800 sqft)
Owner	Individual Name on File
Tax Bill	$4,458 (2025)
Deeds & Mortgages	Jan 2022 Line of Credit Mar 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-33-402-001`

Property Details

APN / Parcel Number

Primary APN	`8913-33-402-001`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,248 sqft Living Area
1st Floor Area	1,248 sqft
Basement Area	1,248 sqft
Finished Basement	800 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	7,800 sqft (0.179 acres)
Lot Dimensions	65 ft deep x 120 ft wide
Garage Type	Detached
Garage Area	774 sqft
Parking Spaces	3 Parking Spaces
Deck Area	Deck Area
Patio Area	204 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	739 MAY ST
City	WATERLOO
State	IA
Zip	50701-4376
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	JANE ADDITION LOT 10
Legal Range	13W
Legal Township	89N
Legal Section	33
Legal Subdivision	JANE ADDITION
Legal Lot Number	10
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1013
Census Tract	1501

Owner

739 May St is owned and occupied by an individual who acquired it in January 2006.

Source: Black Hawk County records, as of September 1, 2026

Owner of Record	Individual Name on File
Mailing Address	739 MAY ST, WATERLOO, IA 50701-4376
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
Jan 4, 2022	Deed of Trust, Mortgage · Line of Credit GREENSTATE CU
Mar 20, 2019	Deed of Trust, Mortgage · Balloon Mortgage UNIVERSITY OF IOWA CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jan 31, 2006
Transfer Doc	0000019069
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	739 MAY ST, WATERLOO, IA 50701-4376
Transaction Type	Mortgage
Record Updated	Jan 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200013747
Date	Jan 4, 2022
Instrument	202200013747

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	58 Months
Due	Nov 5, 2026

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	739 MAY ST, WATERLOO, IA 50701-4376
Transaction Type	Mortgage
Record Updated	Apr 17, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900013930
Date	Mar 20, 2019
Instrument	201900013930

Lender

Name	UNIVERSITY OF IOWA CREDIT UNION

Agreement

Type	Balloon Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 739 May St was $4,458 with a homeowner's exemption, up 7.4% 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	$4,458.00 (+7.42%) Homeowner's exemption	$229,350 Land $24,120 Building $205,230	$229,350 Land $24,120 Building $205,230
2024	$4,150.00
2023		$199,230 (+15.2%) Land $24,120 Building $175,110	$199,230 Land $24,120 Building $175,110
2022	$3,604.00 Homeowner's exemption	$172,950 Land $24,120 Building $148,830
2021			$172,950 Land $24,120 Building $148,830

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

Flood

FEMA maps place 739 May St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 739 May 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 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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