1102 Ridgemont Rd, Waterloo, IA 50701 Property Records

Black Hawk County property record for 1102 Ridgemont Rd, Waterloo, IA 50701

Property Summary

Property Type	Duplex
Details	4 bd · 3.5 ba · 1,308 sqft · built 1977
Lot Size	0.359 acres (15,620 sqft)
Owner	Company Name on File
Last Sale	$289,000 (May 2023)
Tax Bill	$5,006 (2025)
Deeds & Mortgages	May 2023 Mortgage May 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`8813-04-303-021`

Property Details

APN / Parcel Number

Primary APN	`8813-04-303-021`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	3 Half Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,308 sqft Total Area
1st Floor Area	1,308 sqft
Basement Area	1,308 sqft
Finished Basement	975 sqft
Unfinished Basement	1,308 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Duplex Single
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,620 sqft (0.359 acres)
Lot Dimensions	142 ft deep x 120 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Deck Area	120 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1102 RIDGEMONT RD
City	WATERLOO
State	IA
Zip	50701-4842
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	PRAIRIE MEADOW WEST SECOND ADD LOT 18
Legal Range	13W
Legal Township	88N
Legal Section	04
Legal Subdivision	PRAIRIE MEADOW WEST SECOND ADD
Legal Lot Number	18
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2007
Census Tract	1302

Owner

Source: Black Hawk County assessment roll, as of October 17, 2025

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

Owner of Record	Company Name on File
Mailing Address	812 WASHINGTON ST, WATERLOO, IA 50702-1548
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
May 12, 2023	Deed of Trust, Mortgage · Conventional Mortgage FARMERS STATE BANK
May 25, 2023	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 25, 2023 · Amount on Record
Deed Sale	May 25, 2023 · Amount on Record
Deed Document Number	202315814
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1102 RIDGEMONT RD, WATERLOO, IA 50701-4842
Transaction Type	Mortgage
Record Updated	Oct 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1100 RIDGEMONT RD, WATERLOO, IA 50701-4842

Mortgage

Document Number	202300015136
Date	May 12, 2023
Instrument	202300015136

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 25, 2023
Property Address	1102 RIDGEMONT RD, WATERLOO, IA 50701-4842
Document Number	202300015814
Instrument Date	May 24, 2023
Instrument	202300015814
Transaction Type	Transfer
Record Updated	Jun 9, 2023

Transaction

Amount	Amount Recorded
Tax	$461.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	726 W 4TH ST, WATERLOO, IA 50702-1504

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	812 WASHINGTON ST, WATERLOO, IA 50702-1548

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	$5,006.00	$263,890 (+19.85%) Land $45,330 Building $218,560	$263,890 (+19.85%) Land $45,330 Building $218,560
2024	$5,006.00 (+30.3%)
2023		$220,180 (+19.81%) Land $45,330 Building $174,850	$220,180 (+19.81%) Land $45,330 Building $174,850
2022	$3,842.00 Homeowner's exemption	$183,780 Land $45,330 Building $138,450
2021			$183,780 Land $45,330 Building $138,450

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	2 in force
Nearby Flood Claims	2 (2010–2018)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2018 · other causes

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

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

Provider	Max Down / Up (Mbps)
Waterloo Telecommunications Utility Fiber	10,000 / 10,000
Metronet Holdings Fiber	5,120 / 5,120
Mediacom Communications Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
LTD Broadband Fixed Wireless	150 / 130

May also be available: AMG Technology Investment Group.

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