906 W 7th St, Waterloo, IA 50702 Property Records

Black Hawk County property record for 906 W 7th St, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,686 sqft · built 1900
Lot Size	0.171 acres (7,430 sqft)
Owner	Individual Name on File
Last Sale	$62,500 (Feb 2022)
Tax Bill	$1,418 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Feb 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-26-411-011`

Property Details

APN / Parcel Number

Primary APN	`8913-26-411-011`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,686 sqft Living Area
1st Floor Area	843 sqft
Basement Area	843 sqft
Unfinished Basement	843 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	7,430 sqft (0.171 acres)
Lot Dimensions	140 ft deep x 70 ft wide
Garage Type	Mixed
Garage Area	756 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	207 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	906 W 7TH ST
City	WATERLOO
State	IA
Zip	50702-2134
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	JOHNSONS ADDITION ALL LOT 13 BLK 5 EXC SW 10 FT SE 90 FT
Legal Range	13W
Legal Township	89N
Legal Section	26
Legal Subdivision	JOHNSONS ADDITION
Legal Block	5
Legal Lot Number	13
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1009
Census Tract	200

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	906 W 7TH ST, WATERLOO, IA 50702-2134
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2026	Deed of Trust, Mortgage · Conventional Mortgage CITY OF WACO
Feb 1, 2022	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 1, 2022 · Amount on File
Deed Sale	Feb 1, 2022 · Amount on File
Deed Document Number	202215631
Prior Transfer Date	Feb 28, 2006
Prior Transfer Doc	2006020987
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 2, 2026
Property Address	906 W 7TH ST, WATERLOO, IA 50702-2134
Document Number	0000008074
Instrument Date	May 12, 2026
Instrument	20268074
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	906 W 7TH ST, WATERLOO, IA 50702-2134

Mortgage

Document Number	0000008074,
Date	Jun 2, 2026
Instrument	20268074

Lender

Name	CITY OF WACO

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months

Interest

Rate	10%
Max Rate	-1%

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Feb 1, 2022
Property Address	906 W 7TH ST, WATERLOO, IA 50702-2134
Document Number	202200015631
Instrument Date	Jan 31, 2022
Instrument	202200015631
Transaction Type	Transfer
Record Updated	Feb 11, 2022
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$99.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	906 W 7TH ST, WATERLOO, IA 50702-2134

Mortgage

Document Number	202200015632
Date	Feb 1, 2022
Instrument	202200015632

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	Feb 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.62%
Index	1-Year CMT
Max Rate	9.62%

Mortgage

Document Number	202200015633
Date	Feb 1, 2022
Instrument	202200015633

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	120 Months
Due	Feb 1, 2032

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	$1,418.00 (-0.28%) Homeowner's exemption	$80,400 (+6.11%) Land $10,480 Building $69,920	$80,400 (+6.11%) Land $10,480 Building $69,920
2024	$1,422.00 (+15.8%)
2023		$75,770 (+16.91%) Land $10,480 Building $65,290	$75,770 (+16.91%) Land $10,480 Building $65,290
2022	$1,228.00	$64,810 Land $10,480 Building $54,330
2021			$64,810 Land $10,480 Building $54,330

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
Nearest Special Flood Hazard Area	Zone AO, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1980)
Most Recent Claim	Jul 1980 · rainfall accumulation

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 740 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
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink.

Nearby Properties on W 7th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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