Black Hawk County property record for 1002 E Ridgeway Ave, Waterloo, IA 50702 · Last verified June 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1979 |
| Square Footage | 1,120 sqft Living Area |
| Lot Size | 18,753 sqft (0.431 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $235,000 (2026) |
| Tax Bill | $4,416.00 (2025) |
| Primary APN | 8813-03-253-032 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 7 Rooms |
| Building Area | 1,120 sqft Living Area |
| 1st Floor | 1,120 sqft 1st Floor |
| Basement Area | 1,120 sqft Basement |
| Finished Basement | 850 sqft Finished |
| Game Room | Game Room |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Exterior Material | Vinyl Exterior |
| Construction Type | Frame Construction |
| Roof Construction | Gable Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 18,753 sqft (0.431 acres) |
| Depth X Width | 133 ft x 141 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Detached Garage |
| Garage Area | 576 sqft Garage |
| Shed | 1 Shed |
| Deck Area | 148 sqft Deck |
| Patio Area | 100 sqft Patio |
| Cooling System | Central Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 1002 E RIDGEWAY AVE |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50702-4044 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | FIRST ADD TO LINDNER HEIGHTS LOT 50 |
| Legal Range | 13W |
| Legal Township | 88N |
| Legal Section | 03 |
| Legal Subdivision | FIRST ADD TO LINDNER HEIGHTS |
| Legal Lot Number | 50 |
| Jurisdiction | BLACK HAWK IA |
| Minor Civil Division | WATERLOO |
| Census Blockgroup | 1 |
| Census Block | 1005 |
| Census Tract | 1301 |
Source: Black Hawk County records · APN 8813-03-253-032
Assessment roll updated October 17, 2025 · Last verified June 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 File |
|---|---|
| Mailing Address | 1002 E RIDGEWAY AVE, WATERLOO, IA 50702-4044 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jan 31, 2020 | Deed of Trust, Mortgage · Stand Alone Refinance VERIDIAN CREDIT UNION |
| Nov 25, 2009 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage BANKIOWA |
| May 13, 2026 | Warranty Deed, Transfer · Conventional Mortgage CITIZENS FIRST BANK |
| Jun 23, 2023 | Affidavit of Death of Joint Tenant, Transfer |
| Jul 05, 2007 | Joint Tenancy Deed, Transfer · Conventional Mortgage BANKIOWA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 13, 2026 · Amount on Record |
| Deed Sale | May 13, 2026 · Amount on Record |
| Prior Sale | Jul 05, 2007 · Amount on Record |
| Deed Doc Number | 20266925 |
| Prior Transfer Date | Jun 22, 2023 |
| Prior Transfer Doc | 0000017246 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 1002 E RIDGEWAY AVE, WATERLOO, IA 50702-4044 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2026 |
| Name | Verified Name |
|---|
| Document Number | 202000013439 |
|---|---|
| Date | Jan 31, 2020 |
| Instrument | 202000013439 |
| Name | VERIDIAN CREDIT UNION |
|---|
| Type | Stand Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Feb 01, 2030 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 1002 E RIDGEWAY AVE, WATERLOO, IA 50702-4044 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2026 |
| Title Company | BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK COUNTY ABSTRACT & |
| Name | Verified Name |
|---|
| Document Number | 2010010630 |
|---|---|
| Date | Nov 25, 2009 |
| Instrument | 2010010630 |
| Name | BANKIOWA |
|---|---|
| Address | WATERLOO, IA 50702 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Dec 01, 2024 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | May 13, 2026 |
| Property Address | 1002 E RIDGEWAY AVE, WATERLOO, IA 50702-4044 |
| Document Number | 0000006925 |
| Instrument Date | May 12, 2026 |
| Instrument | 2026.6925 |
| Transaction Type | Transfer |
| Record Updated | May 20, 2026 |
| Title Company | BLACK HAWK COUNTY ABSTRACT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $37,895.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1002 E RIDGEWAY AVE, WATERLOO, IA 50702-4044 |
| Document Number | 0000006926, |
|---|---|
| Date | May 13, 2026 |
| Instrument | 2026..6926 |
| Name | CITIZENS FIRST BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.46% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Jun 23, 2023 |
| Property Address | 1002 E RIDGEWAY AVE, WATERLOO, IA 50702-4044 |
| Document Number | 202300017246 |
| Instrument Date | Jun 22, 2023 |
| Instrument | 202300017246 |
| Transaction Type | Transfer |
| Record Updated | May 22, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1002 E RIDGEWAY AVE, WASHBURN, IA 50702-4044 |
| Document Type | Joint Tenancy Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Jul 05, 2007 |
| Property Address | 1002 E RIDGEWAY AVE, WATERLOO, IA 50702-4044 |
| Document Number | 2008000453 |
| Instrument Date | Jul 05, 2007 |
| Instrument | 2008000453 |
| Transaction Type | Transfer |
| Record Updated | May 22, 2026 |
| Title Company | BLACK HAWK COUNTY ABSTRACT C |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $210.40 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1002 E RIDGEWAY AVE, WATERLOO, IA 50702-4044 |
| Document Number | 2008000454 |
|---|---|
| Date | Jul 05, 2007 |
| Instrument | 2008000454 |
| Name | BANKIOWA |
|---|---|
| Address | WATERLOO, IA 50702 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2037 |
Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,416.00 Homeowner's exemption | $230,060 (+10.94%) Land $37,380 Building $192,680 | $230,060 (+10.94%) Land $37,380 Building $192,680 |
| 2024 | $4,416.00 (+30.57%) | ||
| 2023 | $207,380 (+27.31%) Land $37,380 Building $170,000 | $207,380 (+27.31%) Land $37,380 Building $170,000 | |
| 2022 | $3,382.00 (+2.77%) Homeowner's exemption | $162,890 Land $37,380 Building $125,510 | |
| 2021 | $3,291.00 | $162,890 Land $37,380 Building $125,510 |
Source: FEMA National Flood Hazard Layer, Black Hawk County (19013C), updated September 27, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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