103 Morgan Rd, Waterloo, IA 50702 Property Records

Black Hawk County property record for 103 Morgan Rd, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 982 sqft · built 1952
Lot Size	0.167 acres (7,260 sqft)
Owner	Individual Name on Record
Last Sale	$118,000 (May 2020)
Tax Bill	$2,456 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Apr 2023 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-35-351-018`

Property Details

APN / Parcel Number

Primary APN	`8913-35-351-018`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	982 sqft Living Area
1st Floor Area	982 sqft
Basement Area	982 sqft
Unfinished Basement	982 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,260 sqft (0.167 acres)
Lot Dimensions	110 ft deep x 66 ft wide
Garage Type	Detached
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Deck Area	Deck Area
Patio Area	25 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	103 MORGAN RD
City	WATERLOO
State	IA
Zip	50702-5022
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUNSET HILLS LOT 18
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	SUNSET HILLS
Legal Lot Number	18
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1025
Census Tract	1200

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	103 MORGAN RD, WATERLOO, IA 50702-5022
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2026	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Apr 19, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
May 20, 2020	Warranty Deed, Transfer · FHA Mortgage PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 20, 2020 · Amount on Record
Deed Sale	May 20, 2020 · Amount on Record
Prior Sale	May 11, 2016 · Amount on Record
Deed Document Number	202020301
Prior Transfer Date	Nov 8, 2006
Prior Transfer Doc	2007012440
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	103 MORGAN RD, WATERLOO, IA 50702-5022
Transaction Type	Mortgage
Record Updated	Apr 9, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 MORGAN RD, WATERLOO, IA 50702-5022

Mortgage

Document Number	0202604199
Date	Mar 31, 2026
Instrument	2026-04199

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	6101 CONDOR DR # 200, MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	291 Months
Due	Jun 1, 2050

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	103 MORGAN RD, WATERLOO, IA 50702-5022
Transaction Type	Mortgage
Record Updated	May 5, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 MORGAN RD, WATERLOO, IA 50702-5022

Mortgage

Document Number	202300014067
Date	Apr 19, 2023
Instrument	202300014067

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	326 Months
Due	Jun 1, 2050

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 20, 2020
Property Address	103 MORGAN RD, WATERLOO, IA 50702-5022
Document Number	202000020301
Instrument Date	May 13, 2020
Instrument	202000020301
Transaction Type	Transfer
Record Updated	Feb 10, 2022
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$188.00
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 MORGAN RD, WASHBURN, IA 50702-5022

Mortgage

Document Number	202000020302
Date	May 20, 2020
Instrument	202000020302

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

Tax Assessment & Valuation

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	$2,456.00 (-7.46%) Homeowner's exemption	$131,190 (-1.04%) Land $21,250 Building $109,940	$131,190 (-1.04%) Land $21,250 Building $109,940
2024	$2,654.00 (+30.87%)
2023		$132,570 (+31.01%) Land $21,250 Building $111,320	$132,570 (+31.01%) Land $21,250 Building $111,320
2022	$2,028.00 Homeowner's exemption	$101,190 Land $21,250 Building $79,940
2021			$101,190 Land $21,250 Building $79,940

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

Flood

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	14 (1979–2018)
Claims Outside the SFHA	3 of 14
Most Recent Claim	Oct 2018 · rainfall accumulation

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

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 399 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: AT&T, Nextlink, Verizon.

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