Black Hawk County property record for 945 E Donald St, Waterloo, IA 50703
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,004 sqft · built 1949 |
| Lot Size | 0.99 acres (43,124 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $178,000 (Jul 2018) |
| Tax Bill | $400 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage Aug 2020 Second Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 8913-12-476-007 |
| Primary APN | 8913-12-476-007 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 3 Half Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,004 sqft Living Area |
| 1st Floor Area | 1,344 sqft |
| Basement Area | 1,344 sqft |
| Finished Basement | 600 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1949 |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 43,124 sqft (0.99 acres) |
| Garage Type | Detached |
| Garage Area | 748 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 132 sqft |
| Deck Area | 288 sqft |
| Patio Area | 96 sqft |
| Shed | 1 Shed |
| Shed Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 945 E DONALD ST |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50703-9566 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | UNPLATTED WLOO EAST W 205 FT E 573 FT S 353 FT SE SE EXC E 70 FT SEC 12 T 89 R 13 |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 12 |
| Legal Subdivision | UNPLATTED WLOO EAST |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 1702 |
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 | 945 E DONALD ST, WATERLOO, IA 50703-9566 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 30, 2022 | Deed of Trust, Mortgage · VA Mortgage VERIDIAN CU |
| Aug 3, 2020 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage VERIDIAN CU |
| Jul 17, 2018 | Warranty Deed, Transfer · FHA Mortgage USAA FEDERAL SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 17, 2018 · Amount on Record |
| Deed Sale | Jul 17, 2018 · Amount on Record |
| Deed Document Number | 2018201900000817 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 945 E DONALD ST, WATERLOO, IA 50703-9566 |
| Transaction Type | Mortgage |
| Record Updated | Apr 12, 2022 |
| Title Company | TITLE SERVICES |
| Name | Verified Name |
|---|---|
| Address | 945 E DONALD ST, WATERLOO, IA 50703-9566 |
| Document Number | 202200018975 |
|---|---|
| Date | Mar 30, 2022 |
| Instrument | 202200018975 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | WATERLOO, IA 50701 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 945 E DONALD ST, WATERLOO, IA 50703-9566 |
| Transaction Type | Mortgage |
| Record Updated | Aug 20, 2020 |
| Name | Verified Name |
|---|
| Document Number | 202100002571 |
|---|---|
| Date | Aug 3, 2020 |
| Instrument | 202100002571 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | WATERLOO, IA 50704 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 10, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Jul 17, 2018 |
| Property Address | 945 E DONALD ST, WATERLOO, IA 50703-9566 |
| Document Number | 201900000817 |
| Instrument Date | Jul 16, 2018 |
| Instrument | 201900000817 |
| Transaction Type | Transfer |
| Record Updated | Feb 10, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 945 E DONALD ST, WATERLOO, IA 50703-9566 |
| Document Number | 201900000818 |
|---|---|
| Date | Jul 17, 2018 |
| Instrument | 201900000818 |
| Name | USAA FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 354 Months |
| Due | Jan 1, 2048 |
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 | $400.00 (-7.83%) Homeowner's exemption | $282,980 (+7.29%) Land $39,600 Building $243,380 | $282,980 (+7.29%) Land $39,600 Building $243,380 |
| 2024 | $434.00 (-1.36%) | ||
| 2023 | $263,750 (+38.16%) Land $39,600 Building $224,150 | $263,750 (+38.16%) Land $39,600 Building $224,150 | |
| 2022 | $440.00 Homeowner's exemption | $190,900 Land $39,600 Building $151,300 | |
| 2021 | $190,900 Land $39,600 Building $151,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 71% of Iowa |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Mediacom Xtream Cable | 1,000 / 50 |
| GigFire Fixed Wireless | 150 / 130 |
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