739 W 3rd St, Waterloo, IA 50701 Property Records

Black Hawk County property record for 739 W 3rd St, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 812 sqft · built 1940
Lot Size	0.128 acres (5,580 sqft)
Owner	Individual Name on File
Last Sale	$200,000 (Nov 2025)
Tax Bill	$884 (2025)
Deeds & Mortgages	May 2022 Line of Credit Jan 2023 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`8913-26-255-026`

Property Details

APN / Parcel Number

Primary APN	`8913-26-255-026`
Alternative APN	`8913-26-255-038`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	812 sqft Living Area
1st Floor Area	812 sqft
Basement Area	812 sqft
Finished Basement	375 sqft
Unfinished Basement	812 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,580 sqft (0.128 acres)
Lot Dimensions	93 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Patio Area	121 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Old Parcel Number	8913-26-255-026
Street Address	739 W 3RD ST
City	WATERLOO
State	IA
Zip	50701-5941
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SELY 48 FT LOT 1 BLK 6 EXC NWLY 4 FT LOT 1 AND SW 8 FT LOT 2 LEAVITTS ADDITION
Legal Range	13W
Legal Township	89N
Legal Section	26
Legal Subdivision	LEAVITTS ADDITION
Legal Block	6
Legal Lot Number	1,2
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2011
Census Tract	300

Owner

739 W 3rd St is owned and occupied by an individual who bought it in November 2025.

Source: Black Hawk County records, as of August 17, 2026

Owner of Record	Individual Name on File
Mailing Address	411 WELLINGTON ST, WATERLOO, IA 50701-5936
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
May 23, 2022	Deed of Trust, Mortgage · Line of Credit DEERE EMPLOYEES CU
Jan 17, 2023	Deed of Trust, Mortgage · Line of Credit DEERE EMPLOYEES CU
Nov 24, 2025	Warranty Deed, Transfer · Commercial Mortgage CITY WATERLOO, IOWA
Mar 25, 2024	Quit Claim Deed, Transfer Quitclaim
Aug 28, 2023	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU
Jan 31, 2008	Legal Action/Court Order, Foreclosure · Conventional Mortgage MIDWEST MORTGAGE PARTNERS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 24, 2025 · Amount on File
Deed Sale	Nov 24, 2025 · Amount on File
Prior Sale	Aug 28, 2024 · Amount on File
Deed Document Number	202517254
Prior Transfer Date	Jan 23, 2024
Prior Transfer Doc	0000011683
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	739 W 3RD ST, WATERLOO, IA 50701-5941
Transaction Type	Mortgage
Record Updated	Jun 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200022741
Date	May 23, 2022
Instrument	202200022741

Lender

Name	DEERE EMPLOYEES CU
Type	Credit Union
Address	MOLINE, IL 61266

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	May 25, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	739 W 3RD ST, WATERLOO, IA 50701-5941
Transaction Type	Mortgage
Record Updated	Jun 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202300010281
Date	Jan 17, 2023
Instrument	202300010281

Lender

Name	DEERE EMPLOYEES CU
Type	Credit Union
Address	MOLINE, IL 61265

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jan 25, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 24, 2025
Property Address	739 W 3RD ST, WATERLOO, IA 50701-5941
Document Number	0202517254
Instrument Date	Nov 6, 2025
Instrument	2025-17254
Transaction Type	Transfer
Record Updated	Jun 24, 2026

Transaction

Amount	Amount on Record
Tax	$319.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 WELLINGTON ST, WATERLOO, IA 50701-5936

Mortgage

Document Number	0202517257
Date	Nov 24, 2025
Instrument	2025-17257

Lender

Name	CITY WATERLOO, IOWA
Type	Private Party

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

March 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Mar 25, 2024
Property Address	739 W 3RD ST, WATERLOO, IA 50701-5941
Document Number	202400011683
Instrument Date	Jan 23, 2024
Instrument	202400011683
Transaction Type	Transfer
Record Updated	Jun 24, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	803 W 5D ST, WATERLOO, IA 50702

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	739 W 3RD ST, WATERLOO, IA 50701-5941

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Aug 28, 2023
Property Address	739 W 3RD ST, WATERLOO, IA 50701-5941
Document Number	202400002937
Instrument Date	Aug 18, 2023
Instrument	202400002937
Transaction Type	Transfer
Record Updated	Jun 24, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$156.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	739 W 3RD ST, WATERLOO, IA 50701-5941

Mortgage

Document Number	202400002938
Date	Aug 28, 2023
Instrument	202400002938

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 5, 2053

Interest

Rate Type	Adjustable Rate
Rate	8%
Type Change Date	Sep 5, 2033
Change Frequency	Annually
Min Rate At Change	6%
Max Rate At Change	10%
Index	1-Year T-Bill
Max Rate	14%

Mortgage

Document Number	202400002939
Date	Aug 28, 2023
Instrument	202400002939

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Sep 5, 2033

January 2008: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	BLACK HAWK IA
Recording Date	Jan 31, 2008
Property Address	739 W 3RD ST, WATERLOO, IA 50701-5941
Document Number	2008015157
Instrument Date	Jan 28, 2008
Instrument	2008015157
Transaction Type	Foreclosure
Record Updated	Jun 24, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$54.40
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3311 KENNEDY LN, WATERLOO, IA 50701-9461

Mortgage

Document Number	2008015158
Date	Jan 31, 2008
Instrument	2008015158

Lender

Name	MIDWEST MORTGAGE PARTNERS

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2038

Tax Assessment & Valuation

The 2025 property tax bill for 739 W 3rd St was $884 with a homeowner's exemption.

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	$884.00 Homeowner's exemption	$57,800 Land $7,830 Building $49,970	$57,800 Land $7,830 Building $49,970
2024	$884.00
2023		$50,630 (+26.89%) Land $7,650 Building $42,980	$50,630 Land $7,650 Building $42,980
2022	$606.00 Homeowner's exemption	$39,900 Land $7,650 Building $32,250
2021			$39,900 Land $7,650 Building $32,250

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 739 W 3rd St 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

The area around 739 W 3rd St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 385 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

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

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