820 Denver St, Waterloo, IA 50702 Property Records

Black Hawk County property record for 820 Denver St, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,064 sqft · built 1921
Lot Size	0.174 acres (7,560 sqft)
Owner	Individual Name on File
Last Sale	$135,000 (Sep 2023)
Tax Bill	$1,970 (2025)
Deeds & Mortgages	Sep 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`8913-35-126-006`

Property Details

APN / Parcel Number

Primary APN	`8913-35-126-006`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,064 sqft Living Area
1st Floor Area	1,064 sqft
Basement Area	1,064 sqft
Unfinished Basement	1,064 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1921
Effective Year Built	Effective 1921
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,560 sqft (0.174 acres)
Lot Dimensions	140 ft deep x 54 ft wide
Garage Type	Detached
Garage Area	288 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	138 sqft
Deck Area	324 sqft
Patio Area	324 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	820 DENVER ST
City	WATERLOO
State	IA
Zip	50702-3046
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FAYS ADDITION LOT 4 BLK 2
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	FAYS ADDITION
Legal Block	2
Legal Lot Number	4
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1003
Census Tract	1100

Owner

820 Denver St is owned and occupied by an individual who bought it in September 2023.

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

Owner of Record	Individual Name on File
Mailing Address	820 DENVER ST, WATERLOO, IA 50702-3046
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	Name on Deed
Last Sale	Sep 9, 2023 · Amount on File
Deed Sale	Sep 9, 2023 · Amount on File
Prior Sale	Sep 9, 2022 · Amount on File
Deed Document Number	20234206
Record Updated	Oct 29, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 9, 2022
Property Address	820 DENVER ST, WATERLOO, IA 50702-3046
Document Number	202300004206
Instrument Date	Sep 7, 2022
Instrument	202300004206
Transaction Type	Transfer
Record Updated	Sep 28, 2022

Transaction

Amount	Amount on Record
Tax	$215.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	820 DENVER ST, WATERLOO, IA 50702-3046

Tax Assessment & Valuation

The 2025 property tax bill for 820 Denver St was $1,970 with exemptions applied, up 3.1% 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	$1,970.00 (+3.14%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption	$145,570 Land $17,550 Building $128,020	$145,570 Land $17,550 Building $128,020
2024	$1,910.00
2023		$134,140 (+33.49%) Land $17,550 Building $116,590	$134,140 Land $17,550 Building $116,590
2022	$2,208.00	$100,490 Land $17,550 Building $82,940
2021			$100,490 Land $17,550 Building $82,940

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

Flood

FEMA maps place 820 Denver St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2010.

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 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2010 · Severe Storms, Flooding, And Tornadoes

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

The area around 820 Denver 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 734 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 · Fiber in parts of the area	1,000 / 50

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

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