1111 Western Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 1111 Western Ave, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,080 sqft · built 1952
Lot Size	0.149 acres (6,500 sqft)
Owner	2 Individual Names on File
Last Sale	$160,000 (Dec 2025)
Tax Bill	$2,256 (2025)
Deeds & Mortgages	Dec 2025 Sale & Line of Credit May 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-35-137-009`

Property Details

APN / Parcel Number

Primary APN	`8913-35-137-009`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	3 Half Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,080 sqft Living Area
1st Floor Area	864 sqft
Attic	Attic
Attic Area	216 sqft
Basement Area	864 sqft
Finished Basement	350 sqft
Unfinished Basement	864 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,500 sqft (0.149 acres)
Lot Dimensions	130 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Patio Area	196 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1111 WESTERN AVE
City	WATERLOO
State	IA
Zip	50702-3256
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AUDITOR FRANCIS REITZEL PLAT S 50 FT N 153 FT W 130 FT LOT 8
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	AUDITOR FRANCIS REITZEL PLAT
Legal Lot Number	8
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1016
Census Tract	1100

Owner

1111 Western Ave is owned and occupied by two individuals who bought it in December 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	1111 WESTERN AVE, WATERLOO, IA 50702-3256
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Dec 29, 2025	Warranty Deed, Transfer · Line of Credit LUANA SAVINGS BANK
May 17, 2022	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 29, 2025 · Amount on File
Deed Sale	Dec 29, 2025 · Amount on File
Prior Sale	May 17, 2022 · Amount on File
Deed Document Number	202518960
Record Updated	Oct 29, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Dec 29, 2025
Property Address	1111 WESTERN AVE, WATERLOO, IA 50702-3256
Document Number	0202518960
Instrument Date	Nov 26, 2025
Instrument	2025-18960
Transaction Type	Transfer
Record Updated	Jan 9, 2026
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$255.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1111 WESTERN AVE, WATERLOO, IA 50702-3256

Mortgage

Document Number	0202518961
Date	Dec 29, 2025
Instrument	2025-18961

Lender

Name	LUANA SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	62 Months
Due	Feb 1, 2031

Interest

Change Frequency	Monthly

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 17, 2022
Property Address	1111 WESTERN AVE, WATERLOO, IA 50702-3256
Document Number	202200022500
Instrument Date	May 13, 2022
Instrument	202200022500
Transaction Type	Transfer
Record Updated	May 27, 2022
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$228.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1111 WESTERN AVE, WATERLOO, IA 50702-3256

Mortgage

Document Number	202200022501
Date	May 17, 2022
Instrument	202200022501

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	Jun 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.62%
Index	1-Year CMT
Max Rate	9.62%

Mortgage

Document Number	202200022502
Date	May 17, 2022
Instrument	202200022502

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Jun 1, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 1111 Western Ave was $2,256 with a homeowner's exemption, up 1.1% 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	$2,256.00 (+1.08%) Homeowner's exemption	$121,430 Land $15,930 Building $105,500	$121,430 Land $15,930 Building $105,500
2024	$2,232.00
2023		$113,090 (+25.5%) Land $15,930 Building $97,160	$113,090 Land $15,930 Building $97,160
2022	$1,784.00 Homeowner's exemption	$90,110 Land $15,930 Building $74,180
2021			$90,110 Land $15,930 Building $74,180

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

Flood

FEMA maps place 1111 Western Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2010.

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 Claims	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2010 · Severe Storms, Flooding, And Tornadoes

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

The area around 1111 Western Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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 645 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 · Fiber in parts of the area	1,000 / 50

May also be available: GigFire, Nextlink, Verizon.

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