1104 Ridgemont Rd, Waterloo, IA 50701 Property Records

Black Hawk County property record for 1104 Ridgemont Rd, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,998 sqft · built 1974
Lot Size	0.328 acres (14,300 sqft)
Owner	Individual Name on Record
Last Sale	$250,000 (Oct 2021)
Tax Bill	$6,980 (2025)
Deeds & Mortgages	Mar 2018 Mortgage Mar 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8813-04-303-022`

Property Details

APN / Parcel Number

Primary APN	`8813-04-303-022`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,998 sqft Living Area
1st Floor Area	1,998 sqft
Basement Area	1,498 sqft
Finished Basement	900 sqft
Unfinished Basement	1,498 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	14,300 sqft (0.328 acres)
Lot Dimensions	143 ft deep x 110 ft wide
Garage Type	Attached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area
Patio Area	384 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1104 RIDGEMONT RD
City	WATERLOO
State	IA
Zip	50701-4842
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PRAIRIE MEADOW WEST SECOND ADD LOT 17
Legal Range	13W
Legal Township	88N
Legal Section	04
Legal Subdivision	PRAIRIE MEADOW WEST SECOND ADD
Legal Lot Number	17
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2007
Census Tract	1302

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	1104 RIDGEMONT RD, WATERLOO, IA 50701-4842
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2018	Deed of Trust, Mortgage UNIVERSITY OF IOWA CREDIT UNION
Mar 29, 2018	Deed of Trust, Mortgage · ARM UNIVERSITY OF IOWA CREDIT UNION
Oct 16, 2020	Warranty Deed, Transfer · Conventional Mortgage DAS ACQUISITION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 16, 2021 · Amount on Record
Deed Sale	Oct 16, 2021 · Amount on Record
Prior Sale	Oct 16, 2020 · Amount on Record
Deed Document Number	20218197
Record Updated	Oct 29, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1104 RIDGEMONT RD, WATERLOO, IA 50701-4842
Transaction Type	Mortgage
Record Updated	Feb 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800015789
Date	Mar 29, 2018
Instrument	201800015789

Lender

Name	UNIVERSITY OF IOWA CREDIT UNION

Agreement

Amount	Amount Recorded
Term	118 Months
Due	Jan 1, 2028

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1104 RIDGEMONT RD, WATERLOO, IA 50701-4842
Transaction Type	Mortgage
Record Updated	Jun 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800015788
Date	Mar 29, 2018
Instrument	201800015788

Lender

Name	UNIVERSITY OF IOWA CREDIT UNION

Agreement

Type	ARM
Amount	Amount Recorded
Term	358 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.1%
Type Change Date	Mar 4, 2028
Index	1-Year CMT

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 16, 2020
Property Address	1104 RIDGEMONT RD, WATERLOO, IA 50701-4842
Document Number	202100008197
Instrument Date	Oct 14, 2020
Instrument	202100008197
Transaction Type	Transfer
Record Updated	Jun 25, 2021
Title Company	TITLE SERVICES CORP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$399.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1104 RIDGEMONT RD, WATERLOO, IA 50701-4842

Mortgage

Document Number	202100008198
Date	Oct 16, 2020
Instrument	202100008198

Lender

Name	DAS ACQUISITION
Type	Mortgage Company
Address	83141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

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	$6,980.00 (+8.89%) Homeowner's exemption	$352,920 (+15.45%) Land $41,750 Building $311,170	$352,920 (+15.45%) Land $41,750 Building $311,170
2024	$6,410.00 (+19.72%)
2023		$305,690 (+20.97%) Land $41,750 Building $263,940	$305,690 (+20.97%) Land $41,750 Building $263,940
2022	$5,354.00 Homeowner's exemption	$252,690 Land $41,750 Building $210,940
2021			$252,690 Land $41,750 Building $210,940

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

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 175 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.

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