1106 Ora Dr, Waterloo, IA 50701 Property Records

Black Hawk County property record for 1106 Ora Dr, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 1,768 sqft · built 1968
Lot Size	0.384 acres (16,716 sqft)
Owner	Individual Name on Record
Last Sale	$362,500 (Jan 2025)
Tax Bill	$5,804 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Jan 2025 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8813-04-304-031`

Property Details

APN / Parcel Number

Primary APN	`8813-04-304-031`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,768 sqft Living Area
1st Floor Area	1,496 sqft
Basement Area	1,496 sqft
Finished Basement	1,000 sqft
Unfinished Basement	1,496 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Exterior Material	Composition/Composite
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,716 sqft (0.384 acres)
Lot Dimensions	168 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	240 sqft
Deck Area	288 sqft
Patio Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1106 ORA DR
City	WATERLOO
State	IA
Zip	50701-4830
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ARTHUR W SMITH ADDITION LOT 18
Legal Range	13W
Legal Township	88N
Legal Section	04
Legal Subdivision	ARTHUR W SMITH ADDITION
Legal Lot Number	18
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2013
Census Tract	1302

Owner

Source: Black Hawk County records, as of August 18, 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	1106 ORA DR, WATERLOO, IA 50701-4830
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2021	Deed of Trust, Mortgage BANKIOWA
Jan 27, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VERIDIAN CU
Jan 27, 2025	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Nov 18, 2021	Warranty Deed, Transfer · Conventional Mortgage COLLINS COMMUNITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 27, 2025 · Amount on Record
Deed Sale	Jan 27, 2025 · Amount on Record
Prior Sale	Nov 18, 2021 · Amount on Record
Deed Document Number	20251147
Prior Transfer Date	Jan 28, 2014
Prior Transfer Doc	2014016333
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1106 ORA DR, WATERLOO, IA 50701-4830
Transaction Type	Mortgage
Record Updated	Oct 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1106 ORA DR, WATERLOO, IA 50701-4830

Mortgage

Document Number	202200002344
Date	Jul 30, 2021
Instrument	202200002344

Lender

Name	BANKIOWA
Type	Bank
Address	CEDAR FALLS, IA 50613

Agreement

Amount	Amount Recorded

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1106 ORA DR, WATERLOO, IA 50701-4830
Transaction Type	Mortgage
Record Updated	Oct 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202501149
Date	Jan 27, 2025
Instrument	2025-01149

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	1827 ANSBOROUGH AVE, WATERLOO, IA 50701

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	85 Months
Due	Feb 1, 2032

January 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jan 27, 2025
Property Address	1106 ORA DR, WATERLOO, IA 50701-4830
Document Number	0202501147
Instrument Date	Jan 24, 2025
Instrument	2025-01147
Transaction Type	Transfer
Record Updated	Oct 21, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$579.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1106 ORA DR, WATERLOO, IA 50701-4830

Mortgage

Document Number	0202501148
Date	Jan 27, 2025
Instrument	2025-01148

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2030
Change Frequency	Annually
Min Rate At Change	3.87%
Max Rate At Change	7.87%
Index	1-Year CMT
Max Rate	11.8%

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 18, 2021
Property Address	1106 ORA DR, WATERLOO, IA 50701-4830
Document Number	202200010787
Instrument Date	Oct 28, 2021
Instrument	202200010787
Transaction Type	Transfer
Record Updated	Dec 2, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$350.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1106 ORA DR, WATERLOO, IA 50701-4830

Mortgage

Document Number	202200010788
Date	Nov 18, 2021
Instrument	202200010788

Lender

Name	COLLINS COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

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	$5,804.00 Homeowner's exemption	$347,260 (+37.36%) Land $40,850 Building $306,410	$347,260 (+37.36%) Land $40,850 Building $306,410
2024	$5,804.00 (+31.61%)
2023		$252,810 (+20.58%) Land $40,850 Building $211,960	$252,810 (+20.58%) Land $40,850 Building $211,960
2022	$4,410.00 Homeowner's exemption	$209,660 Land $40,850 Building $168,810
2021			$209,660 Land $40,850 Building $168,810

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	Low lower than 98% of the US · lower than 82% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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