947 Minnesota St, Waterloo, IA 50702 Property Records

Black Hawk County property record for 947 Minnesota St, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 912 sqft · built 1957
Lot Size	0.209 acres (9,100 sqft)
Owner	2 Individual Names on Record
Last Sale	$105,000 (Apr 2021)
Tax Bill	$2,768 (2025)
Deeds & Mortgages	May 2026 Line of Credit Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-36-183-016`

Property Details

APN / Parcel Number

Primary APN	`8913-36-183-016`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	912 sqft Living Area
1st Floor Area	912 sqft
Basement Area	912 sqft
Finished Basement	800 sqft
Unfinished Basement	912 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Hip
Roof Material	Asphalt
Lot Area	9,100 sqft (0.209 acres)
Lot Dimensions	140 ft deep x 65 ft wide
Garage Type	Detached
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Deck Area	168 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	947 MINNESOTA ST
City	WATERLOO
State	IA
Zip	50702-2452
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECOND ADD TO RUSSELL HEIGHTS LOT 3 BLK 16
Legal Range	13W
Legal Township	89N
Legal Section	36
Legal Subdivision	SECOND ADD TO RUSSELL HEIGHTS
Legal Block	16
Legal Lot Number	3
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2017
Census Tract	1000

Owner

Source: Black Hawk County records, as of October 21, 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	947 MINNESOTA ST, WATERLOO, IA 50702-2452
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 26, 2026	Deed of Trust, Mortgage · Line of Credit VERIDIAN CREDIT UNION
Apr 19, 2021	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 19, 2021 · Amount on Record
Deed Sale	Apr 19, 2021 · Amount on Record
Deed Document Number	202121832
Last Transfer Date	Dec 13, 2023
Transfer Doc	0000007942
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Recording Date	May 26, 2026
Property Address	947 MINNESOTA ST, WATERLOO, IA 50702-2452
Document Number	0000007482
Instrument Date	May 19, 2026
Instrument	20267482
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	947 MINNESOTA ST, WATERLOO, IA 50702-2452

Mortgage

Document Number	0000007482,
Date	May 26, 2026
Instrument	20267482

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.23%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 19, 2021
Property Address	947 MINNESOTA ST, WATERLOO, IA 50702-2452
Document Number	202100021832
Instrument Date	Apr 5, 2021
Instrument	202100021832
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$167.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	947 MINNESOTA ST, WASHBURN, IA 50702-2452

Mortgage

Document Number	202100021833
Date	Apr 19, 2021
Instrument	202100021833

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

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	$2,768.00 (+3.21%) Homeowner's exemption	$146,500 (+9.43%) Land $22,750 Building $123,750	$146,500 (+9.43%) Land $22,750 Building $123,750
2024	$2,682.00 (+23.14%)
2023		$133,880 (+23.86%) Land $22,750 Building $111,130	$133,880 (+23.86%) Land $22,750 Building $111,130
2022	$2,178.00 Homeowner's exemption	$108,090 Land $22,750 Building $85,340
2021			$108,090 Land $22,750 Building $85,340

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	Low lower than 98% of the US · lower than 82% 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.

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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