916 Denver St, Waterloo, IA 50702 Property Records

Black Hawk County property record for 916 Denver St, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,462 sqft · built 1919
Lot Size	0.183 acres (7,980 sqft)
Owner	Individual Name on File
Last Sale	$92,500 (Jun 2018)
Tax Bill	$2,626 (2025)
Deeds & Mortgages	Jun 2018 Mortgage Nov 2017 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8913-35-130-008`

Property Details

APN / Parcel Number

Primary APN	`8913-35-130-008`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,462 sqft Living Area
1st Floor Area	1,008 sqft
Attic	Attic
Attic Area	454 sqft
Basement Area	1,008 sqft
Finished Basement	400 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1919
Effective Year Built	Effective 1919
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,980 sqft (0.183 acres)
Lot Dimensions	140 ft deep x 57 ft wide
Garage Type	Detached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	215 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	916 DENVER ST
City	WATERLOO
State	IA
Zip	50702-3621
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FAYS ADDITION LOT 5 BLK 3
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	FAYS ADDITION
Legal Block	3
Legal Lot Number	5
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1012
Census Tract	1100

Owner

916 Denver St is owned and occupied by an individual who bought it in June 2018.

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

Owner of Record	Individual Name on File
Mailing Address	916 DENVER ST, WATERLOO, IA 50702-3621
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

Date	Document
Jun 20, 2018	Deed of Trust, Mortgage COLLINS COMMUNITY CREDIT UNION
Nov 30, 2017	Deed of Trust, Mortgage · Construction Mortgage FIRST NATIONAL BANK
Jun 20, 2018	Warranty Deed, Transfer COLLINS COMMUNITY CREDIT UNION
Nov 20, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 20, 2018 · Amount on File
Deed Sale	Jun 20, 2018 · Amount on File
Prior Sale	Nov 20, 2017 · Amount on File
Deed Document Number	201821038
Record Updated	Oct 29, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	916 DENVER ST, WATERLOO, IA 50702-3621
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800021039
Date	Jun 20, 2018
Instrument	201800021039

Lender

Name	COLLINS COMMUNITY CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount on Record
Term	355 Months
Due	Jan 1, 2048

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	916 DENVER ST, WATERLOO, IA 50702-3621
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800009396
Date	Nov 30, 2017
Instrument	2018-00009396

Lender

Name	FIRST NATIONAL BANK
Type	Bank
Address	CEDAR FALLS, IA 50613

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	6 Months
Due	May 17, 2018

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 20, 2018
Property Address	916 DENVER ST, WATERLOO, IA 50702-3621
Document Number	201800021038
Instrument Date	Jun 8, 2018
Instrument	201800021038
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	916 DENVER ST, WATERLOO, IA 50702-3621

Mortgage

Document Number	201800021040
Date	Jun 20, 2018
Instrument	201800021040

Lender

Name	COLLINS COMMUNITY CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount on Record
Term	115 Months
Due	Jan 1, 2028

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 20, 2017
Property Address	916 DENVER ST, WATERLOO, IA 50702-3621
Document Number	201800008858
Instrument Date	Nov 3, 2017
Instrument	2018-00008858
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1100 LOCUST ST DEPT 2009, 1100, DES MOINES, IA 50391-2009

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5036 14TH AVE, LA PORTE CITY, IA 50651-9648

Tax Assessment & Valuation

The 2025 property tax bill for 916 Denver St was $2,626 with a homeowner's exemption, up 0.8% 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	$2,626.00 (+0.84%) Homeowner's exemption	$139,550 Land $18,530 Building $121,020	$139,550 Land $18,530 Building $121,020
2024	$2,604.00
2023		$130,250 (+24.4%) Land $18,530 Building $111,720	$130,250 Land $18,530 Building $111,720
2022	$2,104.00 Homeowner's exemption	$104,700 Land $18,530 Building $86,170
2021			$104,700 Land $18,530 Building $86,170

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

Flood

FEMA maps place 916 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 916 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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