1012 W 11th St, Waterloo, IA 50702 Property Records

Black Hawk County property record for 1012 W 11th St, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,344 sqft · built 1902
Lot Size	0.105 acres (4,590 sqft)
Owner	Individual Name on File
Last Sale	$98,000 (May 2018)
Tax Bill	$2,894 (2025)
Deeds & Mortgages	Apr 2017 Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-36-105-012`

Property Details

APN / Parcel Number

Primary APN	`8913-36-105-012`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,344 sqft Living Area
1st Floor Area	672 sqft
Basement Area	672 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1902
Effective Year Built	Effective 1902
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	4,590 sqft (0.105 acres)
Lot Dimensions	102 ft deep x 45 ft wide
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	144 sqft
Patio Area	144 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1012 W 11TH ST
City	WATERLOO
State	IA
Zip	50702-1740
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BUCKINGHAM PLACE N 45 FT S 135 FT LOT 5
Legal Range	13W
Legal Township	89N
Legal Section	36
Legal Subdivision	BUCKINGHAM PLACE
Legal Lot Number	5
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1008
Census Tract	1000

Owner

1012 W 11th St is owned and occupied by an individual who bought it in May 2018.

Source: Black Hawk County records, as of September 1, 2026

Owner of Record	Individual Name on File
Mailing Address	1012 W 11TH ST, WATERLOO, IA 50702-1740
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 4, 2017	Deed of Trust, Mortgage · Second Mortgage (Down Payment) FARMERS STATE BANK
May 22, 2018	Warranty Deed, Transfer · FHA Mortgage GERSHMAN INVESTMENT

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 22, 2018 · Amount on File
Deed Sale	May 22, 2018 · Amount on File
Prior Sale	Dec 27, 2010 · Amount on File
Deed Document Number	201819033
Prior Transfer Date	Jan 16, 2008
Prior Transfer Doc	2008014211
Record Updated	Oct 29, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1012 W 11TH ST, WATERLOO, IA 50702-1740
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700017091
Date	Apr 4, 2017
Instrument	2017-00017091

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	WATERLOO, IA 50701

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	120 Months
Due	Apr 4, 2027

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 22, 2018
Property Address	1012 W 11TH ST, WATERLOO, IA 50702-1740
Document Number	201800019033
Instrument Date	May 18, 2018
Instrument	201800019033
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1012 W 11TH ST, WATERLOO, IA 50702-1740

Mortgage

Document Number	201800019034
Date	May 22, 2018
Instrument	201800019034

Lender

Name	GERSHMAN INVESTMENT
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	356 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 1012 W 11th St was $2,894, down 6.2% from the year before.

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	$2,894.00 (-6.16%)	$141,850 Land $13,020 Building $128,830	$141,850 Land $13,020 Building $128,830
2024	$3,084.00
2023		$142,200 (+43.07%) Land $13,020 Building $129,180	$142,200 Land $13,020 Building $129,180
2022	$2,182.00	$99,390 Land $13,020 Building $86,370
2021			$99,390 Land $13,020 Building $86,370

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1012 W 11th St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 27, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 1012 W 11th St has no burnable land within ember reach, so its wildfire risk is not rated.

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 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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