1103 Upton Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 1103 Upton Ave, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 836 sqft · built 1961
Lot Size	0.092 acres (4,000 sqft)
Owner	Individual Name on File
Tax Bill	$2,390 (2025)
Deeds & Mortgages	Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-21-426-015`

Property Details

APN / Parcel Number

Primary APN	`8913-21-426-015`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	836 sqft Living Area
1st Floor Area	836 sqft
Basement Area	836 sqft
Finished Basement	350 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	4,000 sqft (0.092 acres)
Lot Dimensions	100 ft deep x 40 ft wide
Garage Type	Attached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Patio Area	420 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1103 UPTON AVE
City	WATERLOO
State	IA
Zip	50701-1945
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ALADDIN ADDITION LOT 1 BLK 1
Legal Range	13W
Legal Township	89N
Legal Section	21
Legal Subdivision	ALADDIN ADDITION
Legal Block	1
Legal Lot Number	1
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1001
Census Tract	1503

Owner

Source: Black Hawk County records · APN 8913-21-426-015

Assessment roll updated October 17, 2025 · Last verified June 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 File
Mailing Address	1103 UPTON AVE, WATERLOO, IA 50701-1945
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Sep 20, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1103 UPTON AVE, WATERLOO, IA 50701-1945
Transaction Type	Mortgage
Record Updated	Aug 27, 2020
Title Company	TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100003191
Date	Aug 12, 2020
Instrument	202100003191

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2050

Tax Assessment & Valuation

Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified June 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,390.00 Homeowner's exemption	$124,180 (+3.17%) Land $10,560 Building $113,620	$124,180 (+3.17%) Land $10,560 Building $113,620
2024	$2,390.00 (+42.77%)
2023		$120,360 (+41.42%) Land $10,560 Building $109,800	$120,360 (+41.42%) Land $10,560 Building $109,800
2022	$1,674.00 Homeowner's exemption	$85,110 Land $10,560 Building $74,550
2021			$85,110 Land $10,560 Building $74,550

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 27, 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Metronet Holdings Fiber	5,120 / 5,120
Mediacom Communications Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
LTD Broadband Fixed Wireless	150 / 130
AT&T Fixed Wireless	100 / 20
T-Mobile USA Fixed Wireless	100 / 20
AMG Technology Investment Group Fixed Wireless	100 / 20

Based on FCC filings for 273 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	WATERLOO WATER WORKS serves 69,504 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.