104 Bruce Ln, Waterloo, IA 50701 Property Records

Black Hawk County property record for 104 Bruce Ln, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,348 sqft · built 1967
Lot Size	0.225 acres (9,800 sqft)
Owner	2 Individual Names on File
Last Sale	$145,000 (Jun 2009)
Tax Bill	$4,596 (2025)
Deeds & Mortgages	May 2022 Line of Credit Dec 2017 Line of Credit
Flood Zone	Zone A (high risk)
APN	`8913-33-406-004`

Property Details

APN / Parcel Number

Primary APN	`8913-33-406-004`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,348 sqft Living Area
1st Floor Area	1,040 sqft
Basement Area	1,040 sqft
Finished Basement	550 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,800 sqft (0.225 acres)
Lot Dimensions	80 ft deep x 103 ft wide
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Deck Area	192 sqft
Patio Area	16 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	104 BRUCE LN
City	WATERLOO
State	IA
Zip	50701-4323
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MARTIN HEIGHTS FIRST ADDITION LOT 95
Legal Range	13W
Legal Township	89N
Legal Section	33
Legal Subdivision	MARTIN HEIGHTS FIRST ADDITION
Legal Lot Number	95
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1013
Census Tract	1501

Owner

104 Bruce Ln is owned and occupied by two individuals who bought it in June 2009.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	104 BRUCE LN, WATERLOO, IA 50701-4323
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 25, 2022	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Dec 12, 2017	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2009 · Amount on File
Deed Sale	Jun 30, 2009 · Amount on File
Deed Document Number	200920009025707
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	104 BRUCE LN, WATERLOO, IA 50701-4323
Transaction Type	Mortgage
Record Updated	Jun 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 BRUCE LN, WATERLOO, IA 50701-4323

Mortgage

Document Number	202200022948
Date	May 25, 2022
Instrument	202200022948

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	May 24, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	104 BRUCE LN, WATERLOO, IA 50701-4323
Transaction Type	Mortgage
Record Updated	Dec 28, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 2018-00010060
Date	Dec 12, 2017
Instrument	2018-00010060

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Dec 1, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 104 Bruce Ln was $4,596 with a homeowner's exemption, up 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	$4,596.00 (+6.24%) Homeowner's exemption	$236,120 Land $29,750 Building $206,370	$236,120 Land $29,750 Building $206,370
2024	$4,326.00
2023		$209,660 (+15.16%) Land $29,750 Building $179,910	$209,660 Land $29,750 Building $179,910
2022	$3,804.00 Homeowner's exemption	$182,060 Land $29,750 Building $152,310
2021			$182,060 Land $29,750 Building $152,310

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

Flood

FEMA maps place 104 Bruce Ln in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 27, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	15 (1979–2020)
Most Recent Claim	Jul 2020 · rainfall accumulation
Claims by Event	Severe Storms, Flooding, And Tornadoes, Jul 2010 · 3 claims Severe Storms & Flooding, Jul 1993 · 4 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

Wildfire risk around 104 Bruce Ln 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.

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 180 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	1,000 / 50
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130

May also be available: Nextlink.

Cell Coverage

5G (outdoors only) and 4G LTE

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