902 Baltimore St, Waterloo, IA 50702 Property Records

Black Hawk County property record for 902 Baltimore St, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,474 sqft · built 1921
Lot Size	0.174 acres (7,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$147,500 (May 2025)
Tax Bill	$3,174 (2025)
Deeds & Mortgages	May 2025 Sale & Mortgage Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-35-131-002`

Property Details

APN / Parcel Number

Primary APN	`8913-35-131-002`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,474 sqft Living Area
1st Floor Area	624 sqft
Basement Area	624 sqft
Finished Basement	175 sqft
Unfinished Basement	624 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

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	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	160 sqft
Patio Area	340 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	902 BALTIMORE ST
City	WATERLOO
State	IA
Zip	50702-3221
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FAYS ADDITION LOT 1 BLK 4
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	FAYS ADDITION
Legal Block	4
Legal Lot Number	1
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1013
Census Tract	1100

Owner

Source: Black Hawk County records, as of May 27, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	902 BALTIMORE ST, WATERLOO, IA 50702-3221
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 6, 2025	Deed, Transfer · FHA Mortgage GREENSTATE CU
Apr 3, 2020	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 6, 2025 · Amount on Record
Deed Sale	May 6, 2025 · Amount on Record
Prior Sale	Apr 3, 2020 · Amount on Record
Deed Document Number	20256121
Record Updated	Sep 20, 2026

May 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 6, 2025
Property Address	902 BALTIMORE ST, WATERLOO, IA 50702-3221
Document Number	0202506121
Instrument Date	Apr 17, 2025
Instrument	2025-06121
Transaction Type	Transfer
Record Updated	Oct 21, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$235.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	902 BALTIMORE ST, WATERLOO, IA 50702-3221

Mortgage

Document Number	0202506122
Date	May 6, 2025
Instrument	2025-06122

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2055

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 3, 2020
Property Address	902 BALTIMORE ST, WATERLOO, IA 50702-3221
Document Number	202000017104
Instrument Date	Mar 10, 2020
Instrument	202000017104
Transaction Type	Transfer
Record Updated	May 16, 2025

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$166.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	902 BALTIMORE ST, WATERLOO, IA 50702-3221

Mortgage

Document Number	202000017105
Date	Apr 3, 2020
Instrument	202000017105

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 5, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Apr 5, 2030
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	6.25%
Index	1-Year CMT
Max Rate	10.2%

Mortgage

Document Number	202000017106
Date	Apr 3, 2020
Instrument	202000017106

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Apr 5, 2030

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	$3,174.00	$158,560 (+8.4%) Land $17,550 Building $141,010	$158,560 (+8.4%) Land $17,550 Building $141,010
2024	$3,174.00 (+24.28%)
2023		$146,270 (+25.78%) Land $17,550 Building $128,720	$146,270 (+25.78%) Land $17,550 Building $128,720
2022	$2,554.00	$116,290 Land $17,550 Building $98,740
2021			$116,290 Land $17,550 Building $98,740

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 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

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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