108 Thomas Ave, Waterloo, IA 50703 Property Records

Black Hawk County property record for 108 Thomas Ave, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 920 sqft · built 1961
Lot Size	0.153 acres (6,650 sqft)
Owner	Individual Name on Record
Last Sale	$135,000 (May 2026)
Tax Bill	$1,964 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-14-302-010`

Property Details

APN / Parcel Number

Primary APN	`8913-14-302-010`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	920 sqft Living Area
1st Floor Area	920 sqft
Basement Area	920 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	6,650 sqft (0.153 acres)
Lot Dimensions	133 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	636 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	108 THOMAS AVE
City	WATERLOO
State	IA
Zip	50703-2154
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THOMAS & BRINKER SECOND ADD N 50 FT LOT 17 BLK 2 N 50 FT LOT 18 BLK 2
Legal Range	13W
Legal Township	89N
Legal Section	14
Legal Subdivision	THOMAS & BRINKER SECOND ADD
Legal Block	2
Legal Lot Number	17,18
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1051
Census Tract	1600

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	108 THOMAS AVE, WATERLOO, IA 50703-2154
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 18, 2026	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CREDIT UNION
May 18, 2026	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 18, 2026 · Amount on Record
Deed Sale	May 18, 2026 · Amount on Record
Deed Document Number	20267111
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 18, 2026
Property Address	108 THOMAS AVE, WATERLOO, IA 50703-2154
Document Number	0202607111
Instrument Date	May 15, 2026
Instrument	2026.7111
Transaction Type	Transfer
Record Updated	May 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$21,735.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 THOMAS AVE, WATERLOO, IA 50703-2154

Mortgage

Document Number	0000007112,
Date	May 18, 2026
Instrument	2026.7112

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Mortgage

Document Number	0000007113,
Date	May 18, 2026
Instrument	2026.7113

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	10 Months
Due	Jun 1, 2036

Interest

Rate	6.46%
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 18, 2026
Property Address	108 THOMAS AVE, WATERLOO, IA 50703-2154
Document Number	0000007111
Instrument Date	May 15, 2026
Instrument	20267111
Transaction Type	Transfer
Record Updated	Aug 24, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$21,735.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 THOMAS AVE, WATERLOO, IA 50703-2154

Mortgage

Document Number	0000007112,
Date	May 18, 2026
Instrument	20267112

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Mortgage

Document Number	0202607113,
Date	May 18, 2026
Instrument	20267113

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 1, 2036

Interest

Max Rate	-1%

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	$1,964.00 (+10.71%)	$96,240 (+17.75%) Land $9,900 Building $86,340	$96,240 (+17.75%) Land $9,900 Building $86,340
2024	$1,774.00 (+10.6%)
2023		$81,730 (+11.91%) Land $9,900 Building $71,830	$81,730 (+11.91%) Land $9,900 Building $71,830
2022	$1,604.00	$73,030 Land $9,900 Building $63,130
2021			$73,030 Land $9,900 Building $63,130

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
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	58 (1983–2016)
Claims Outside the SFHA	17 of 58
Most Recent Claim	Sep 2016 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2016 · 20 claims Severe Storms, Tornadoes, And Flooding, Jun 2008 · 18 claims Severe Storms & Flooding, Aug 1993 · 15 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

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 118 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

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