1012 Western Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 1012 Western Ave, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,316 sqft · built 1919
Lot Size	0.159 acres (6,943 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,076 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Feb 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-35-132-005`

Property Details

APN / Parcel Number

Primary APN	`8913-35-132-005`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,316 sqft Living Area
1st Floor Area	1,053 sqft
Attic	Attic
Attic Area	263 sqft
Basement Area	1,053 sqft
Finished Basement	800 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1919
Effective Year Built	Effective 1919
Exterior Material	Metal
Construction Type	Steel Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,943 sqft (0.159 acres)
Lot Dimensions	131 ft deep x 53 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	208 sqft
Patio Area	266 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1012 WESTERN AVE
City	WATERLOO
State	IA
Zip	50702-3255
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BALTIMORE ADDITION LOT 3 BLK 4
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	BALTIMORE ADDITION
Legal Block	4
Legal Lot Number	3
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1014
Census Tract	1100

Owner

1012 Western Ave is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	1012 WESTERN AVE, WATERLOO, IA 50702-3255
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
Jun 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
Feb 9, 2018	Deed of Trust, Mortgage VERIDIAN CREDIT UNION
Jan 30, 2018	Deed of Trust, Mortgage · ARM VERIDIAN CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1012 WESTERN AVE, WATERLOO, IA 50702-3255
Transaction Type	Mortgage
Record Updated	Jun 29, 2021
Title Company	TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1012 WESTERN AVE, WATERLOO, IA 50702-3255

Mortgage

Document Number	202100026213
Date	Jun 11, 2021
Instrument	202100026213

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2036

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1012 WESTERN AVE, WATERLOO, IA 50702-3255
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800013167
Date	Feb 9, 2018
Instrument	201800013167

Lender

Name	VERIDIAN CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount on Record
Term	119 Months
Due	Jan 1, 2028

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1012 WESTERN AVE, WATERLOO, IA 50702-3255
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800012633
Date	Jan 30, 2018
Instrument	201800012633

Lender

Name	VERIDIAN CREDIT UNION
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Feb 1, 2028
Index	Other

Tax Assessment & Valuation

The 2025 property tax bill for 1012 Western Ave was $3,076, up 0.9% 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	$3,076.00 (+0.92%)	$150,760 Land $16,880 Building $133,880	$150,760 Land $16,880 Building $133,880
2024	$3,048.00
2023		$127,020 (+24.71%) Land $16,880 Building $110,140	$127,020 Land $16,880 Building $110,140
2022	$2,236.00	$101,850 Land $16,880 Building $84,970
2021			$101,850 Land $16,880 Building $84,970

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

Flood

FEMA maps place 1012 Western Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2010.

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.

Wildfire

The area around 1012 Western Ave 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 645 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

May also be available: GigFire, Nextlink, Verizon.

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