742 Stephan Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 742 Stephan Ave, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,036 sqft · built 1960
Lot Size	0.206 acres (8,970 sqft)
Owner	Individual Name on File
Last Sale	$143,000 (Jan 2020)
Tax Bill	$3,288 (2025)
Deeds & Mortgages	Jan 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`8913-21-451-003`

Property Details

APN / Parcel Number

Primary APN	`8913-21-451-003`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,036 sqft Living Area
1st Floor Area	1,036 sqft
Basement Area	1,036 sqft
Finished Basement	550 sqft
Unfinished Basement	1,036 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	8,970 sqft (0.206 acres)
Lot Dimensions	138 ft deep x 65 ft wide
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	60 sqft
Deck Area	210 sqft
Patio Area	210 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	742 STEPHAN AVE
City	WATERLOO
State	IA
Zip	50701-2058
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNPLATTED WLOO WEST THAT PART OF W 1/2 SE SEC 21 T 89 R 13 COM AT PT ON W LINE STEPHAN AVE WHICH IS 30 FT W OF PT THAT IS
Legal Range	13W
Legal Township	89N
Legal Section	21
Legal Subdivision	UNPLATTED WLOO WEST
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	3
Census Block	3019
Census Tract	1503

Owner

742 Stephan Ave is owned by an individual who bought it in January 2020.

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

Owner of Record	Individual Name on File
Mailing Address	500 1ST ST NW, BONDURANT, IA 50035-2161
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 27, 2020 · Amount on File
Deed Sale	Jan 27, 2020 · Amount on File
Prior Sale	May 13, 2005 · Amount on File
Deed Document Number	202013168
Record Updated	Oct 29, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	742 STEPHAN AVE, WATERLOO, IA 50701-2058
Transaction Type	Mortgage
Record Updated	Nov 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000013169
Date	Jan 27, 2020
Instrument	202000013169

Lender

Name	LINCOLN SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 742 Stephan Ave was $3,288, down 6.9% 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	$3,288.00 (-6.91%)	$161,130 Land $21,130 Building $140,000	$161,130 Land $21,130 Building $140,000
2024	$3,532.00
2023		$162,770 (+25.52%) Land $21,130 Building $141,640	$162,770 Land $21,130 Building $141,640
2022	$2,848.00 Homeowner's exemption	$129,680 Land $21,130 Building $108,550
2021			$129,680 Land $21,130 Building $108,550

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

Flood

FEMA maps place 742 Stephan Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2013.

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 Claims	1 (2013)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2013 · tidal / storm surge

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 742 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.

Nearby Properties on Stephan Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures