81 Gable St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 81 Gable St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 660 sqft · built 1937
Lot Size	0.111 acres (4,850 sqft)
Owner	Company Name on Record
Last Sale	$24,000 (Apr 2023)
Tax Bill	$522 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Jan 2022 Re-recorded Document
Flood Zone	Zone X (reduced by levee)
APN	`8913-13-352-022`

Property Details

APN / Parcel Number

Primary APN	`8913-13-352-022`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	660 sqft Living Area
1st Floor Area	660 sqft
Basement Area	660 sqft
Unfinished Basement	660 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1937
Effective Year Built	Effective 1937
Exterior Material	Asbestos
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,850 sqft (0.111 acres)
Lot Dimensions	97 ft deep x 50 ft wide

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	81 GABLE ST
City	WATERLOO
State	IA
Zip	50703-2547
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MANSONS FOURTH ADDITION LOT 5 BLK 2
Legal Range	13W
Legal Township	89N
Legal Section	13
Legal Subdivision	MANSONS FOURTH ADDITION
Legal Block	2
Legal Lot Number	5
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2026
Census Tract	1701

Owner

Source: Black Hawk County records, as of July 6, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	PO BOX 1, IONIA, IA 50645-0001
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage DENVER SAVINGS BANK
Jan 13, 2022	Re-recorded Document

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 27, 2023 · Amount on Record
Deed Sale	Apr 27, 2023 · Amount on Record
Deed Document Number	202314411
Prior Transfer Date	Sep 28, 2021
Prior Transfer Doc	0000006943
Record Updated	Sep 20, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 27, 2023
Property Address	81 GABLE ST, WATERLOO, IA 50703-2547
Document Number	202300014411
Instrument Date	Apr 26, 2023
Instrument	202300014411
Transaction Type	Transfer
Record Updated	May 17, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$37.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2206 S LINN CT # 5, 5, NEW HAMPTON, IA 50659-9415

Mortgage

Document Number	202300014412
Date	Apr 27, 2023
Instrument	202300014412

Lender

Name	DENVER SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 26, 2053

January 2022: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	BLACK HAWK IA
Recording Date	Jan 13, 2022
Property Address	81 GABLE ST, WATERLOO, IA 50703-2547
Document Number	202200014503
Instrument Date	Sep 28, 2021
Instrument	202200014503
Record Updated	Nov 17, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81 GABLE ST, WATERLOO, IA 50703-2547

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	$522.00	$27,670 (+14.96%) Land $5,440 Building $22,230	$27,670 (+14.96%) Land $5,440 Building $22,230
2024	$522.00 (+141.67%)
2023		$24,070 (+28.79%) Land $5,440 Building $18,630	$24,070 (+28.79%) Land $5,440 Building $18,630
2022	$216.00 Homeowner's exemption	$18,690 Land $5,440 Building $13,250
2021			$18,690 Land $5,440 Building $13,250

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 reduced by levee · depends on levee performance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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 98% of the US · lower than 82% 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 568 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

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

Nearby Properties on Gable St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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