110 Bruce Ln, Waterloo, IA 50701 Property Records

Black Hawk County property record for 110 Bruce Ln, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,040 sqft · built 1969
Lot Size	0.284 acres (12,370 sqft)
Owner	Individual Name on Record
Last Sale	$136,000 (Sep 2015)
Tax Bill	$3,784 (2025)
Deeds & Mortgages	Jun 2022 Second Mortgage Jan 2023 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8913-33-406-005`

Property Details

APN / Parcel Number

Primary APN	`8913-33-406-005`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,040 sqft Living Area
1st Floor Area	1,040 sqft
Basement Area	1,040 sqft
Finished Basement	200 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,370 sqft (0.284 acres)
Lot Dimensions	145 ft deep x 62 ft wide
Garage Type	Attached
Garage Area	588 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	110 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 96
Legal Range	13W
Legal Township	89N
Legal Section	33
Legal Subdivision	MARTIN HEIGHTS FIRST ADDITION
Legal Lot Number	96
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1013
Census Tract	1501

Owner

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	Individual Name on Record
Mailing Address	110 BRUCE LN, WATERLOO, IA 50701-4323
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VERIDIAN CU
Jan 30, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VERIDIAN CU
Mar 7, 2023	Intrafamily Transfer, Transfer
May 23, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 25, 2015 · Amount on Record
Deed Sale	Sep 25, 2015 · Amount on Record
Deed Document Number	20152016-00005897
Last Transfer Date	Mar 6, 2023
Transfer Doc	0000012175
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	110 BRUCE LN, WATERLOO, IA 50701-4323
Transaction Type	Mortgage
Record Updated	Oct 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 BRUCE LN, WATERLOO, IA 50701-4323

Mortgage

Document Number	202200023505
Date	Jun 3, 2022
Instrument	202200023505

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 10, 2032

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	110 BRUCE LN, WATERLOO, IA 50701-4323
Transaction Type	Mortgage
Record Updated	Oct 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 BRUCE LN, WATERLOO, IA 50701-4323

Mortgage

Document Number	202300010788
Date	Jan 30, 2023
Instrument	202300010788

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	113 Months
Due	Jun 10, 2032

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BLACK HAWK IA
Recording Date	Mar 7, 2023
Property Address	110 BRUCE LN, WATERLOO, IA 50701-4323
Document Number	202300012175
Instrument Date	Mar 6, 2023
Instrument	202300012175
Transaction Type	Transfer
Record Updated	Oct 20, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 BRUCE LN, WATERLOO, IA 50701

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BLACK HAWK IA
Recording Date	May 23, 2022
Property Address	110 BRUCE LN, WATERLOO, IA 50701-4323
Document Number	202200022764
Instrument Date	May 20, 2022
Instrument	202200022764
Transaction Type	Transfer
Record Updated	Oct 20, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 BRUCE LN, WATERLOO, IA 50701-4323

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	$3,784.00 (+13.16%) Homeowner's exemption	$210,880 (+18.44%) Land $28,020 Building $182,860	$210,880 (+18.44%) Land $28,020 Building $182,860
2024	$3,344.00 (+2.39%)
2023		$178,050 Land $28,020 Building $150,030	$178,050 Land $28,020 Building $150,030
2022	$3,266.00

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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