Black Hawk County property record for 915 Baltimore St, Waterloo, IA 50702
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,215 sqft · built 1916 |
| Lot Size | 0.12 acres (5,240 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $115,000 (Nov 2023) |
| Tax Bill | $2,660 (2025) |
| Deeds & Mortgages | Nov 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 8913-35-132-011 |
| Primary APN | 8913-35-132-011 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,215 sqft Living Area |
| 1st Floor Area | 967 sqft |
| Basement Area | 967 sqft |
| Finished Basement | 150 sqft |
| Unfinished Basement | 967 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1916 |
|---|---|
| Effective Year Built | Effective 1916 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,240 sqft (0.12 acres) |
| Lot Dimensions | 131 ft deep x 40 ft wide |
| Garage Type | Detached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 176 sqft |
| Shed | 1 Shed |
| Shed Area | 64 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 915 BALTIMORE ST |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50702-3220 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BALTIMORE ADDITION S 40 FT LOT 6 BLK 4 |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 35 |
| Legal Subdivision | BALTIMORE ADDITION |
| Legal Block | 4 |
| Legal Lot Number | 6 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 1100 |
915 Baltimore St is owned and occupied by two individuals who bought it in November 2023.
Source: Black Hawk County records, as of September 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 915 BALTIMORE ST, WATERLOO, IA 50702-3220 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 21, 2023 · Amount on File |
| Deed Sale | Nov 21, 2023 · Amount on File |
| Prior Sale | Nov 21, 2022 · Amount on File |
| Deed Document Number | 20238096 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Nov 21, 2022 |
| Property Address | 915 BALTIMORE ST, WATERLOO, IA 50702-3220 |
| Document Number | 202300008096 |
| Instrument Date | Nov 18, 2022 |
| Instrument | 202300008096 |
| Transaction Type | Transfer |
| Record Updated | Dec 6, 2022 |
| Title Company | TITLE SERVICES CORPORATION |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $183.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 915 BALTIMORE ST, WATERLOO, IA 50702-3220 |
| Document Number | 202300008097 |
|---|---|
| Date | Nov 21, 2022 |
| Instrument | 202300008097 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.37% |
| Type Change Date | Dec 1, 2032 |
| Change Frequency | Annually |
| Min Rate At Change | 5.37% |
| Max Rate At Change | 9.37% |
| Index | 1-Year T-Bill |
| Max Rate | 13.3% |
| Document Number | 202300008098 |
|---|---|
| Date | Nov 21, 2022 |
| Instrument | 202300008098 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | WATERLOO, IA 50701 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Dec 1, 2032 |
The 2025 property tax bill for 915 Baltimore St was $2,660 with a homeowner's exemption, up 2.4% from the year before.
Source: Black Hawk County assessment roll, as of October 17, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,660.00 (+2.39%) Homeowner's exemption | $141,250 Land $12,740 Building $128,510 | $141,250 Land $12,740 Building $128,510 |
| 2024 | $2,598.00 | ||
| 2023 | $129,110 (+25.9%) Land $12,740 Building $116,370 | $129,110 Land $12,740 Building $116,370 | |
| 2022 | $2,252.00 | $102,550 Land $12,740 Building $89,810 | |
| 2021 | $102,550 Land $12,740 Building $89,810 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 915 Baltimore 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.
The area around 915 Baltimore 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 645 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, Verizon.
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