907 Minnesota St, Waterloo, IA 50702 Property Records

Black Hawk County property record for 907 Minnesota St, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,195 sqft · built 1957
Lot Size	0.188 acres (8,190 sqft)
Owner	2 Individual Names on Record
Last Sale	$195,000 (Jan 2025)
Tax Bill	$3,410 (2025)
Deeds & Mortgages	Jan 2025 Sale & Mortgage Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-36-181-016`

Property Details

APN / Parcel Number

Primary APN	`8913-36-181-016`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,195 sqft Living Area
1st Floor Area	1,195 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	8,190 sqft (0.188 acres)
Lot Dimensions	126 ft deep x 65 ft wide
Garage Type	Attached
Garage Area	273 sqft
Parking Spaces	1 Parking Space
Patio Area	185 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	907 MINNESOTA ST
City	WATERLOO
State	IA
Zip	50702-2501
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECOND ADD TO RUSSELL HEIGHTS LOT 2 BLK 15
Legal Range	13W
Legal Township	89N
Legal Section	36
Legal Subdivision	SECOND ADD TO RUSSELL HEIGHTS
Legal Block	15
Legal Lot Number	2
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2016
Census Tract	1000

Owner

Source: Black Hawk County records, as of September 1, 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	907 MINNESOTA ST, WATERLOO, IA 50702-2501
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 8, 2025	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Jun 14, 2017	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 8, 2025 · Amount on Record
Deed Sale	Jan 8, 2025 · Amount on Record
Prior Sale	Aug 28, 2024 · Amount on Record
Deed Document Number	2025372
Record Updated	Oct 29, 2026

January 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jan 8, 2025
Property Address	907 MINNESOTA ST, WATERLOO, IA 50702-2501
Document Number	0202500372
Instrument Date	Jan 3, 2025
Instrument	2025-00372
Transaction Type	Transfer
Record Updated	Oct 21, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$311.20
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	907 MINNESOTA ST, WATERLOO, IA 50702-2501

Mortgage

Document Number	0202500373
Date	Jan 8, 2025
Instrument	2025-00373

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2055

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 14, 2017
Property Address	907 MINNESOTA ST, WATERLOO, IA 50702-2501
Document Number	201700021973
Instrument Date	Jun 1, 2017
Instrument	2017-00021973
Transaction Type	Transfer
Record Updated	Jan 22, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$159.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	907 MINNESOTA ST, WATERLOO, IA 50702-2501

Mortgage

Document Number	201700021974
Date	Jun 14, 2017
Instrument	2017-00021974

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

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	$3,410.00 (+24.27%) Homeowner's exemption	$167,080 (+22.18%) Land $22,070 Building $145,010	$167,080 (+22.18%) Land $22,070 Building $145,010
2024	$2,744.00 (+23.6%)
2023		$136,750 (+24.32%) Land $22,070 Building $114,680	$136,750 (+24.32%) Land $22,070 Building $114,680
2022	$2,220.00 Homeowner's exemption	$110,000 Land $22,070 Building $87,930
2021			$110,000 Land $22,070 Building $87,930

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 Policies	1 in force

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 719 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

May also be available: Nextlink.

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