Black Hawk County property record for 1040 Oregon St, Waterloo, IA 50702
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 864 sqft · built 1952 |
| Lot Size | 0.17 acres (7,425 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $120,000 (Apr 2021) |
| Tax Bill | $2,374 (2025) |
| Deeds & Mortgages | Apr 2021 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 8913-36-304-015 |
| Primary APN | 8913-36-304-015 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 864 sqft Living Area |
| 1st Floor Area | 864 sqft |
| Basement Area | 864 sqft |
| Finished Basement | 525 sqft |
| Unfinished Basement | 864 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| 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 | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 286 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 1040 OREGON ST |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50702-2541 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GOLDEN GARDENS ADDITION LOT 15 BLK 8 |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 36 |
| Legal Subdivision | GOLDEN GARDENS ADDITION |
| Legal Block | 8 |
| Legal Lot Number | 15 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 1000 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1040 OREGON ST, WATERLOO, IA 50702-2541 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 13, 2021 · Amount on Record |
| Deed Sale | Apr 13, 2021 · Amount on Record |
| Prior Sale | Jun 25, 2010 · Amount on Record |
| Deed Document Number | 202121487 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Apr 13, 2021 |
| Property Address | 1040 OREGON ST, WATERLOO, IA 50702-2541 |
| Document Number | 202100021487 |
| Instrument Date | Apr 12, 2021 |
| Instrument | 202100021487 |
| Transaction Type | Transfer |
| Record Updated | Feb 10, 2022 |
| Title Company | TITLE SERVICES CORPORATION |
| Amount | Amount Recorded |
|---|---|
| Tax | $191.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1040 OREGON ST, WATERLOO, IA 50702-2541 |
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 | $2,374.00 (+1.37%) Homeowner's exemption | $127,240 (+7.63%) Land $19,060 Building $108,180 | $127,240 (+7.63%) Land $19,060 Building $108,180 |
| 2024 | $2,342.00 (+20.97%) | ||
| 2023 | $118,220 (+21.88%) Land $19,060 Building $99,160 | $118,220 (+21.88%) Land $19,060 Building $99,160 | |
| 2022 | $1,936.00 Homeowner's exemption | $97,000 Land $19,060 Building $77,940 | |
| 2021 | $97,000 Land $19,060 Building $77,940 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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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