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

Black Hawk County property record for 816 W 3rd St, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,428 sqft · built 1872
Lot Size	0.207 acres (9,000 sqft)
Owner	2 Individual Names on File
Last Sale	$85,000 (May 2018)
Tax Bill	$1,156 (2025)
Deeds & Mortgages	May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-26-185-006`

Property Details

APN / Parcel Number

Primary APN	`8913-26-185-006`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,428 sqft Living Area
1st Floor Area	640 sqft
Basement Area	836 sqft
Unfinished Basement	836 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1872
Effective Year Built	Effective 1872
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,000 sqft (0.207 acres)
Lot Dimensions	150 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	218 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	816 W 3RD ST
City	WATERLOO
State	IA
Zip	50701-5944
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEAVITTS ADDITION LOT 4 BLK 8
Legal Range	13W
Legal Township	89N
Legal Section	26
Legal Subdivision	LEAVITTS ADDITION
Legal Block	8
Legal Lot Number	4
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2019
Census Tract	300

Owner

816 W 3rd St is owned and occupied by two individuals who bought it in May 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	816 W 3RD ST, WATERLOO, IA 50701-5944
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2018 · Amount on File
Deed Sale	May 22, 2018 · Amount on File
Prior Sale	Sep 16, 2015 · Amount on File
Deed Document Number	201818969
Record Updated	Oct 29, 2026

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 22, 2018
Property Address	816 W 3RD ST, WATERLOO, IA 50701-5944
Document Number	201800018969
Instrument Date	May 17, 2018
Instrument	201800018969
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	816 W 3RD ST, WATERLOO, IA 50701-5944

Mortgage

Document Number	201800018970
Date	May 22, 2018
Instrument	201800018970

Lender

Name	VERIDIAN CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount on Record
Term	356 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 816 W 3rd St was $1,156 with a homeowner's exemption, down 10.2% 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	$1,156.00 (-10.18%) Homeowner's exemption	$67,550 Land $9,180 Building $58,370	$67,550 Land $9,180 Building $58,370
2024	$1,287.00
2023		$58,900 (+21.49%) Land $9,180 Building $49,720	$58,900 Land $9,180 Building $49,720
2022	$870.00 Homeowner's exemption	$48,480 Land $9,180 Building $39,300
2021			$48,480 Land $9,180 Building $39,300

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

Flood

FEMA maps place 816 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 816 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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