Black Hawk County property record for 965 E Donald St, Waterloo, IA 50703
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,229 sqft · built 1964 |
| Lot Size | 1.22 acres (53,143 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $267,500 (May 2026) |
| Tax Bill | $4,616 (2025) |
| Deeds & Mortgages | May 2010 Mortgage May 2026 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 8913-12-476-011 |
| Primary APN | 8913-12-476-011 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,229 sqft Living Area |
| 1st Floor Area | 1,229 sqft |
| Basement Area | 1,229 sqft |
| Unfinished Basement | 1,229 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Hip |
| Roof Material | Metal |
| Lot Area | 53,143 sqft (1.22 acres) |
| Garage Type | Detached |
| Garage Area | 1,012 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Porch |
| Porch Area | 96 sqft |
| Patio Area | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 965 E DONALD ST |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50703-9566 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | UNPLATTED WATERLOO EAST E 168 FT S 353 FT SE SE EXC STREET B 552 P 31 SEC 12 T 89 R 13 |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 12 |
| Legal Subdivision | UNPLATTED WATERLOO 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 | Individual Name on Record |
|---|---|
| Mailing Address | 965 E DONALD ST, WATERLOO, IA 50703-9566 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| May 13, 2010 | Deed of Trust, Mortgage · FHA Mortgage VERIDIAN CU |
| May 5, 2026 | Warranty Deed, Transfer · VA Mortgage NAVY FEDERAL CREDIT UNION |
| May 5, 2026 | Warranty Deed, Transfer · VA Mortgage NAVY FEDERAL CREDIT UNION |
| Mar 28, 2022 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 5, 2026 · Amount on Record |
| Deed Sale | May 5, 2026 · Amount on Record |
| Prior Sale | Mar 28, 2022 · Amount on Record |
| Deed Document Number | 20266444 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 965 E DONALD ST, WATERLOO, IA 50703-9566 |
| Transaction Type | Mortgage |
| Record Updated | May 15, 2026 |
| Name | Verified Name |
|---|
| Document Number | 2010021165 |
|---|---|
| Date | May 13, 2010 |
| Instrument | 2010021165 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | WATERLOO, IA 50704 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2040 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | May 5, 2026 |
| Property Address | 965 E DONALD ST, WATERLOO, IA 50703-9566 |
| Document Number | 0000006444 |
| Instrument Date | May 4, 2026 |
| Instrument | 2026.6444 |
| Transaction Type | Transfer |
| Record Updated | May 13, 2026 |
| Title Company | BLACK HAWK COUNTY ABSTRACT |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $43,147.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 965 E DONALD ST, WATERLOO, IA 50703-9566 |
| Investor | Possibly a Property Investor |
| Document Number | 0000006445, |
|---|---|
| Date | May 5, 2026 |
| Instrument | 2026..6445 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | May 5, 2026 |
| Property Address | 965 E DONALD ST, WATERLOO, IA 50703-9566 |
| Document Number | 0202606444 |
| Instrument Date | May 4, 2026 |
| Instrument | 20266444 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2026 |
| Title Company | BLACK HAWK COUNTY ABSTRACT |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $43,147.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 965 E DONALD ST, WATERLOO, IA 50703-9566 |
| Investor | Possibly a Property Investor |
| Document Number | 0000006445, |
|---|---|
| Date | May 5, 2026 |
| Instrument | 20266445 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Mar 28, 2022 |
| Property Address | 965 E DONALD ST, WATERLOO, IA 50703-9566 |
| Document Number | 202200018885 |
| Instrument Date | Mar 24, 2022 |
| Instrument | 202200018885 |
| Transaction Type | Transfer |
| Record Updated | May 14, 2026 |
| Title Company | TITLE SERVICES GROUP, TITLE SERVICES CORP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $351.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 965 E DONALD ST, WATERLOO, IA 50703-9566 |
| Document Number | 202200018886 |
|---|---|
| Date | Mar 28, 2022 |
| Instrument | 202200018886 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
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 | $4,616.00 (-0.3%) | $226,210 (+5.97%) Land $40,880 Building $185,330 | $226,210 (+5.97%) Land $40,880 Building $185,330 |
| 2024 | $4,630.00 (+36.58%) | ||
| 2023 | $213,470 (+38.27%) Land $40,880 Building $172,590 | $213,470 (+38.27%) Land $40,880 Building $172,590 | |
| 2022 | $3,390.00 Homeowner's exemption | $154,390 Land $40,880 Building $113,510 | |
| 2021 | $154,390 Land $40,880 Building $113,510 |
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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