931 W 5th St, Waterloo, IA 50702 Property Records

Black Hawk County property record for 931 W 5th St, Waterloo, IA 50702

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	8,785 sqft · built 1923
Lot Size	0.117 acres (5,100 sqft)
Owner	Company Name on Record
Last Sale	$275,000 (May 2024)
Tax Bill	$6,174 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Nov 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-26-408-012`

Property Details

APN / Parcel Number

Primary APN	`8913-26-408-012`

Interior

Stories	3 Stories
Building Area	8,785 sqft Gross Area
1st Floor Area	3,200 sqft
Basement Area	2,785 sqft
Unfinished Basement	2,785 sqft
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Exterior Material	Brick
Fire Resistance	Wood or Wood & Steel Frame
Roof Material	Rolled Roofing
Lot Area	5,100 sqft (0.117 acres)
Lot Dimensions	85 ft deep x 60 ft wide
Porch	Slab
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	931 W 5TH ST
City	WATERLOO
State	IA
Zip	50702
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	MILLERS ADDITION WATERLOO NW 85 FT LOT 15 BLK 4
Legal Range	13W
Legal Township	89N
Legal Section	26
Legal Subdivision	MILLERS ADDITION WATERLOO
Legal Block	4
Legal Lot Number	15
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1004
Census Tract	200

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	Company Name on Record
Mailing Address	1732 PINEHURST LN, WATERLOO, IA 50701-4552
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2026	Deed of Trust, Mortgage · Line of Credit FIRST INTERSTATE BANK
Nov 30, 2020	Deed of Trust, Mortgage · Line of Credit FARMERS STATE BANK
Jan 24, 2017	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 2, 2024 · Amount on Record
Deed Sale	May 2, 2024 · Amount on Record
Prior Sale	Dec 4, 2021 · Amount on Record
Deed Document Number	202413604
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	931 W 5TH ST, WATERLOO, IA 50702
Transaction Type	Mortgage
Record Updated	Feb 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1732 PINEHURST LN, WATERLOO, IA 50701-4552

Mortgage

Document Number	0202601352
Date	Feb 2, 2026
Instrument	2026-01352

Lender

Name	FIRST INTERSTATE BANK
Type	Bank
Address	205 W 2ND ST, CEDAR FALLS, IA 50613

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	931 W 5TH ST, WATERLOO, IA 50702
Transaction Type	Mortgage
Record Updated	Jul 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100011455
Date	Nov 30, 2020
Instrument	202100011455

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	WATERLOO, IA 50701

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 25, 2050

January 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jan 24, 2017
Property Address	931 W 5TH ST, WATERLOO, IA 50702
Document Number	201700013385
Instrument Date	Jan 20, 2017
Instrument	2017-00013385
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 SUNSET RD, WATERLOO, IA 50701-3922

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	$6,174.00 (-16.84%)	$302,450 (+0.14%) Land $12,750 Building $289,700	$302,450 (+0.14%) Land $12,750 Building $289,700
2024	$7,424.00 (+77.1%)
2023		$302,030 (+58.18%) Land $12,750 Building $289,280	$302,030 (+58.18%) Land $12,750 Building $289,280
2022	$4,192.00	$190,940 Land $10,200 Building $180,740
2021			$190,940 Land $10,200 Building $180,740

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
Nearest Special Flood Hazard Area	Zone AO, within 100 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 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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