1015 Lois Ln, Waterloo, IA 50702 Property Records

Black Hawk County property record for 1015 Lois Ln, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,304 sqft · built 2021
Lot Size	0.169 acres (7,350 sqft)
Owner	Individual Name on File
Last Sale	$320,000 (Mar 2022)
Tax Bill	$4,444 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8813-02-153-166`

Property Details

APN / Parcel Number

Primary APN	`8813-02-153-166`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,304 sqft Living Area
Basement Area	1,304 sqft
Finished Basement	800 sqft
Unfinished Basement	1,304 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,350 sqft (0.169 acres)
Lot Dimensions	105 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	90 sqft
Deck Area	84 sqft
Patio Area	108 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1015 LOIS LN
City	WATERLOO
State	IA
Zip	50702-4271
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNPLATTED WATERLOO WEST PART OF NW FRAC 1/4 SEC 2 T 88 R 13 DESC AS BEG AT INTERSECT OF C.L. HAMMOND AVE AND N LINE OF
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1005
Census Tract	900

Owner

1015 Lois Ln is owned and occupied by an individual who bought it in March 2022.

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

Owner of Record	Individual Name on File
Mailing Address	1015 LOIS LN, WATERLOO, IA 50702-4271
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
Mar 1, 2022	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage VERIDIAN CU
Jun 10, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage FARMERS STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 1, 2022 · Amount on File
Deed Sale	Mar 1, 2022 · Amount on File
Deed Document Number	202217349
Record Updated	Oct 29, 2026

March 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Mar 1, 2022
Property Address	1015 LOIS LN, WATERLOO, IA 50702-4271
Document Number	202200017349
Map Reference	DOC 2021-19560
Instrument Date	Feb 28, 2022
Instrument	202200017349
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 17, 2022
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$511.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1015 LOIS LN, WATERLOO, IA 50702-4271

Mortgage

Document Number	202200017350
Date	Mar 1, 2022
Instrument	202200017350

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2052

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 10, 2021
Property Address	1015 LOIS LN, WATERLOO, IA 50702-4271
Document Number	202100026108
Instrument Date	Jun 9, 2021
Instrument	202100026108
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$63.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7811 MOLINE RD, WATERLOO, IA 50703-9431

Mortgage

Document Number	202100026109
Date	Jun 10, 2021
Instrument	202100026109

Lender

Name	FARMERS STATE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 9, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 1015 Lois Ln was $4,444 with a homeowner's exemption, up 1,635.9% 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	$4,444.00 (+1,635.94%) Homeowner's exemption	$289,370 Land $22,050 Building $267,320	$289,370 Land $22,050 Building $267,320
2024	$256.00
2023		$22,050 (-) Land $22,050	$284,930
2022	$290.00	$22,050 Land $22,050
2021			$164,270

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1015 Lois Ln in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1979.

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
Nearby Flood Claims	7 (1979–2010)
Claims Outside the SFHA	1 of 7
Most Recent Claim	Jul 2010 · Severe Storms, Flooding, And Tornadoes
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2008 · 3 claims

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 1015 Lois Ln 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 264 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
GigFire Fixed Wireless	150 / 130

May also be available: CenturyLink, Nextlink, Verizon.

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