Black Hawk County property record for 1020 Oregon St, Waterloo, IA 50702
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,276 sqft · built 1951 |
| Lot Size | 0.17 acres (7,425 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $106,000 (May 2005) |
| Tax Bill | $3,232 (2025) |
| Deeds & Mortgages | Nov 2025 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 8913-36-304-019 |
| Primary APN | 8913-36-304-019 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,276 sqft Living Area |
| 1st Floor Area | 812 sqft |
| Basement Area | 812 sqft |
| Finished Basement | 325 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1951 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,425 sqft (0.17 acres) |
| Lot Dimensions | 135 ft deep x 55 ft wide |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 32 sqft |
| Deck Area | Deck Area |
| Patio Area | 64 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 1020 OREGON ST |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50702-2541 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GOLDEN GARDENS ADDITION LOT 19 BLK 8 |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 36 |
| Legal Subdivision | GOLDEN GARDENS ADDITION |
| Legal Block | 8 |
| Legal Lot Number | 19 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 1000 |
1020 Oregon St is owned and occupied by two individuals who bought it in May 2005.
Source: Black Hawk County records, as of September 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1020 OREGON ST, WATERLOO, IA 50702-2541 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 16, 2005 · Amount on File |
| Deed Sale | May 16, 2005 · Amount on File |
| Deed Document Number | 200526496 |
| Prior Transfer Date | May 12, 2005 |
| Prior Transfer Doc | 2005026496 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 1020 OREGON ST, WATERLOO, IA 50702-2541 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1020 OREGON ST, WATERLOO, IA 50702-2541 |
| Document Number | 0202516413 |
|---|---|
| Date | Nov 7, 2025 |
| Instrument | 2025-16413 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | PO BOX 6000, WATERLOO, IA 50704 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Nov 6, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 1020 Oregon St was $3,232 with a homeowner's exemption, up 1.5% from the year before.
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 | $3,232.00 (+1.51%) Homeowner's exemption | $169,290 Land $19,060 Building $150,230 | $169,290 Land $19,060 Building $150,230 |
| 2024 | $3,184.00 | ||
| 2023 | $157,020 (+23.64%) Land $19,060 Building $137,960 | $157,020 Land $19,060 Building $137,960 | |
| 2022 | $2,594.00 Homeowner's exemption | $127,000 Land $19,060 Building $107,940 | |
| 2021 | $127,000 Land $19,060 Building $107,940 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1020 Oregon 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 risk around 1020 Oregon St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 82% 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: 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 |
| 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.
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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