111 Lowder Rd, Waterloo, IA 50703 Property Records

Black Hawk County property record for 111 Lowder Rd, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,008 sqft · built 1952
Lot Size	0.775 acres (33,750 sqft)
Owner	2 Individual Names on File
Last Sale	$59,000 (Jul 2014)
Tax Bill	$2,486 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Feb 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8913-01-301-004`

Property Details

APN / Parcel Number

Primary APN	`8913-01-301-004`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,008 sqft Living Area
1st Floor Area	1,008 sqft
Basement Area	1,008 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	33,750 sqft (0.775 acres)
Lot Dimensions	270 ft deep x 125 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	80 sqft
Deck Area	128 sqft
Patio Area	128 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	111 LOWDER RD
City	WATERLOO
State	IA
Zip	50703-1031
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNPLATTED WLOO EAST PART SW SEC 1 T 89 R 13 COM AT A PT ON THE N LINE OF SW 1/4 THAT IS 300 FT E OF CENTER LINE OF HWY 63 TH
Legal Range	13W
Legal Township	89N
Legal Section	01
Legal Subdivision	UNPLATTED WLOO EAST
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1040
Census Tract	2604

Owner

111 Lowder Rd is owned and occupied by two individuals who bought it in July 2014.

Source: Black Hawk County records, as of September 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	111 LOWDER RD, WATERLOO, IA 50703-1031
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Feb 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jul 17, 2017	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC
May 20, 2019	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2014 · Amount on File
Deed Sale	Jul 28, 2014 · Amount on File
Deed Document Number	2014201500001616
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Recording Date	Aug 24, 2026
Property Address	111 LOWDER RD, WATERLOO, IA 50703-1031
Document Number	0000012672
Instrument Date	Aug 19, 2026
Instrument	202612672
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 LOWDER RD, WATERLOO, IA 50703-1031

Mortgage

Document Number	0000012672,
Date	Aug 24, 2026
Instrument	202612672

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Sep 1, 2046

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	111 LOWDER RD, WATERLOO, IA 50703-1031
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100017433
Date	Feb 18, 2021
Instrument	202100017433

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	111 LOWDER RD, WATERLOO, IA 50703-1031
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800000791
Date	Jul 17, 2017
Instrument	2018-00000791

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2032

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	111 LOWDER RD, WATERLOO, IA 50703-1031
Transaction Type	Mortgage
Record Updated	Jun 20, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900017235
Date	May 20, 2019
Instrument	201900017235

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 111 Lowder Rd was $2,486 with a homeowner's exemption, down 4.6% from the year before.

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	$2,486.00 (-4.6%) Homeowner's exemption	$147,340 Land $33,190 Building $114,150	$147,340 Land $33,190 Building $114,150
2024	$2,606.00
2023		$144,050 (+34.49%) Land $33,190 Building $110,860	$144,050 Land $33,190 Building $110,860
2022	$2,158.00 Homeowner's exemption	$107,110 Land $33,190 Building $73,920
2021			$107,110 Land $33,190 Building $73,920

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

Flood

FEMA maps place 111 Lowder Rd in Zone X, an area of minimal flood risk, though there have been 21 flood claims nearby since 1979.

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	21 (1979–2016)
Claims Outside the SFHA	1 of 21
Most Recent Claim	Sep 2016 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2016 · 5 claims Severe Storms, Tornadoes, And Flooding, Jun 2008 · 5 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

Wildfire risk around 111 Lowder Rd is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 62% of Iowa
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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