1120 Bourland Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 1120 Bourland Ave, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,116 sqft · built 1951
Lot Size	0.145 acres (6,300 sqft)
Owner	Individual Name on Record
Last Sale	$138,000 (Jun 2026)
Tax Bill	$2,168 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Jul 2013 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8913-35-427-005`

Property Details

APN / Parcel Number

Primary APN	`8913-35-427-005`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,116 sqft Living Area
1st Floor Area	720 sqft
Attic	Attic
Attic Area	396 sqft
Basement Area	720 sqft
Finished Basement	350 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,300 sqft (0.145 acres)
Lot Dimensions	126 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	308 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1120 BOURLAND AVE
City	WATERLOO
State	IA
Zip	50702-3339
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LIBERTY ADDITION LOT 5 BLK 9
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	LIBERTY ADDITION
Legal Block	9
Legal Lot Number	5
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2002
Census Tract	1200

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	1120 BOURLAND AVE, WATERLOO, IA 50702-3339
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Dec 19, 2022	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jul 29, 2013	Deed of Trust, Mortgage · Conventional Mortgage CITIBANK NA
Jan 5, 2006	Deed of Trust, Mortgage · Line of Credit US BANK NA ND
Jun 2, 2026	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 2, 2026 · Amount on Record
Deed Sale	Jun 2, 2026 · Amount on Record
Deed Document Number	20268038
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1120 BOURLAND AVE, WATERLOO, IA 50702-3339
Transaction Type	Mortgage
Record Updated	Jun 11, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1120 BOURLAND AVE, WASHBURN, IA 50702-3339

Mortgage

Document Number	202300009196
Date	Dec 19, 2022
Instrument	202300009196

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	355 Months
Due	Jul 19, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1120 BOURLAND AVE, WATERLOO, IA 50702-3339
Transaction Type	Mortgage
Record Updated	Jun 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2014002179
Date	Jul 29, 2013
Instrument	2014002179

Lender

Name	CITIBANK NA
Type	Bank
Address	O FALLON, MO 63368

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2043

January 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1120 BOURLAND AVE, WATERLOO, IA 50702-3339
Transaction Type	Mortgage
Record Updated	Jun 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2006016958
Date	Jan 5, 2006
Instrument	2006016958

Lender

Name	US BANK NA ND
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 2, 2026
Property Address	1120 BOURLAND AVE, WATERLOO, IA 50702-3339
Document Number	0000008038
Instrument Date	May 29, 2026
Instrument	20268038
Transaction Type	Transfer
Record Updated	Jun 9, 2026
Title Company	BLACK HAWK COUNTY ABSTRACT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$22,220.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1120 BOURLAND AVE, WATERLOO, IA 50702-3339

Mortgage

Document Number	0000008039,
Date	Jun 2, 2026
Instrument	20268039

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Mortgage

Document Number	0000008040,
Date	Jun 2, 2026
Instrument	20268040

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Amount	Amount Recorded
Term	7 Months
Due	Jun 1, 2033

Interest

Rate	6.3%
Max Rate	-1%

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	$2,168.00 (+1.69%) Homeowner's exemption	$131,710 (+7.76%) Land $16,980 Building $114,730	$131,710 (+7.76%) Land $16,980 Building $114,730
2024	$2,132.00 (+15.49%)
2023		$122,230 (+31.49%) Land $16,980 Building $105,250	$122,230 (+31.49%) Land $16,980 Building $105,250
2022	$1,846.00 Homeowner's exemption	$92,960 Land $16,980 Building $75,980
2021			$92,960 Land $16,980 Building $75,980

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 99.1% of the US · lower than 91% 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 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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