Black Hawk County property record for 820 Dena St, Waterloo, IA 50702
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 893 sqft · built 1958 |
| Lot Size | 0.165 acres (7,200 sqft) |
| Owner | Individual Name on File |
| Last Sale | $161,500 (Jun 2026) |
| Tax Bill | $2,920 (2025) |
| Deeds & Mortgages | Mar 2008 Mortgage Jun 2026 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 8913-36-252-010 |
| Primary APN | 8913-36-252-010 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 893 sqft Living Area |
| 1st Floor Area | 893 sqft |
| Basement Area | 893 sqft |
| Finished Basement | 300 sqft |
| Unfinished Basement | 893 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,200 sqft (0.165 acres) |
| Lot Dimensions | 120 ft deep x 60 ft wide |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 25 sqft |
| Deck Area | 144 sqft |
| Patio Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 820 DENA ST |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50702-1808 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ROLLING ACRES FIRST ADDITION LOT 9 |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 36 |
| Legal Subdivision | ROLLING ACRES FIRST ADDITION |
| Legal Lot Number | 9 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 1000 |
Source: Black Hawk County records · APN 8913-36-252-010
Assessment roll updated October 17, 2025 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 820 DENA ST, WATERLOO, IA 50702-1808 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 27, 2008 | Deed of Trust, Mortgage · FHA Mortgage COUNTRYWIDE BANK FSB |
| Jun 10, 2026 | Warranty Deed, Transfer · FHA Mortgage FREE STATE CREDIT UNION |
| Nov 17, 2020 | Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU |
| Nov 20, 2012 | Warranty Deed, Transfer · Loan Assumption VERIDIAN CU |
| Feb 05, 2007 | Warranty Deed, Transfer · Conventional Mortgage COUNTRYWIDE HOME LOANS INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 10, 2026 · Amount on Record |
| Deed Sale | Jun 10, 2026 · Amount on Record |
| Prior Sale | Nov 17, 2020 · Amount on Record |
| Deed Document Number | 20268625 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 820 DENA ST, WATERLOO, IA 50702-1808 |
| Transaction Type | Mortgage |
| Record Updated | Jun 19, 2026 |
| Title Company | TITLE SERVICES |
| Name | Verified Name |
|---|
| Document Number | 2008018774 |
|---|---|
| Date | Mar 27, 2008 |
| Instrument | 2008018774 |
| Name | COUNTRYWIDE BANK FSB |
|---|---|
| Type | Bank |
| Address | ALEXANDRIA, VA 22314 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2038 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Jun 10, 2026 |
| Property Address | 820 DENA ST, WATERLOO, IA 50702-1808 |
| Document Number | 0000008625 |
| Instrument Date | Jun 02, 2026 |
| Instrument | 20268625 |
| Transaction Type | Transfer |
| Record Updated | Jun 16, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $26,017.60 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 820 DENA ST, WATERLOO, IA 50702-1808 |
| Document Number | 0000008626, |
|---|---|
| Date | Jun 10, 2026 |
| Instrument | 20268626 |
| Name | FREE STATE CREDIT UNION |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Number | 0000008627, |
|---|---|
| Date | Jun 10, 2026 |
| Instrument | 20268627 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 30 Months |
| Due | Jul 01, 2056 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Nov 17, 2020 |
| Property Address | 820 DENA ST, WATERLOO, IA 50702-1808 |
| Document Number | 202100010710 |
| Instrument Date | Nov 16, 2020 |
| Instrument | 202100010710 |
| Transaction Type | Transfer |
| Record Updated | Jun 19, 2026 |
| Title Company | TITLE SERVICES CORPORATION |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $176.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 820 DENA ST, WATERLOO, IA 50702-1808 |
| Document Number | 202100010711 |
|---|---|
| Date | Nov 17, 2020 |
| Instrument | 202100010711 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Dec 01, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Nov 20, 2012 |
| Property Address | 820 DENA ST, WATERLOO, IA 50702-1808 |
| Document Number | 2013010476 |
| Instrument Date | Nov 15, 2012 |
| Instrument | 2013010476 |
| Transaction Type | Transfer |
| Record Updated | Jun 19, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $174.40 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 820 DENA ST, WATERLOO, IA 50702-1808 |
| Document Number | 2013010477 |
|---|---|
| Date | Nov 20, 2012 |
| Instrument | 2013010477 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Type | Loan Assumption |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2042 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.37% |
| Type Change Date | Dec 01, 2022 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 5.37% |
| Index | 1-Year LIBOR |
| Max Rate | 9.37% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Feb 05, 2007 |
| Property Address | 820 DENA ST, WATERLOO, IA 50702-1808 |
| Document Number | 2007016792 |
| Instrument Date | Jan 30, 2007 |
| Instrument | 2007016792 |
| Transaction Type | Transfer |
| Record Updated | Jun 19, 2026 |
| Title Company | PROFESSIONAL CLOSING & SETTL |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $175.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 820 DENA ST, WATERLOO, IA 50702-1808 |
| Document Number | 2007016793 |
|---|---|
| Date | Feb 05, 2007 |
| Instrument | 2007016793 |
| Name | COUNTRYWIDE HOME LOANS INC |
|---|---|
| Type | Lending Institution |
| Address | CALABASAS, CA 91302 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 01, 2037 |
Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,920.00 | $147,670 (+9.69%) Land $19,950 Building $127,720 | $147,670 (+9.69%) Land $19,950 Building $127,720 |
| 2024 | $2,920.00 (+16.89%) | ||
| 2023 | $134,620 (+25.18%) Land $19,950 Building $114,670 | $134,620 (+25.18%) Land $19,950 Building $114,670 | |
| 2022 | $2,498.00 | $107,540 Land $19,950 Building $87,590 | |
| 2021 | $107,540 Land $19,950 Building $87,590 |
Source: FEMA National Flood Hazard Layer as of September 27, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Holdings Fiber | 5,120 / 5,120 |
| Mediacom Communications Cable · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| LTD Broadband Fixed Wireless | 150 / 130 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: AMG Technology Investment Group, Waterloo Telecommunications Utility.
Based on FCC filings for 353 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WATERLOO WATER WORKS serves 69,504 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2023 |
| Lead | 2 ppb (2025) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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