1123 E Ridgeway Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 1123 E Ridgeway Ave, Waterloo, IA 50702 · Last verified June 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	1 Baths
Year Built	Built 1948
Square Footage	1,402 sqft Living Area
Lot Size	14,541 sqft (0.334 acres)
Occupancy	Owner Occupied
Last Sale	$172,000 (2025)
Tax Bill	$2,856.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`8913-35-481-030`

Interior

Bedrooms	3 Beds
Full Baths	1 Baths
Total Rooms	6 Rooms
Building Area	1,402 sqft Living Area
1st Floor	896 sqft 1st Floor
Attic Area	314 sqft Attic
Attic	1 Attic
Basement Area	896 sqft Basement
Finished Basement	425 sqft Finished
Game Room	Game Room
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Plaster Interior Structure
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Exterior Material	Aluminum Siding Exterior
Construction Type	Frame Construction
Roof Construction	Gable Roof Construction
Roof Material	Asphalt Roof
Lot Area	14,541 sqft (0.334 acres)
Depth X Width	131 ft x 111 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Detached Garage
Garage Area	572 sqft Garage
Deck Area	168 sqft Deck
Patio Area	42 sqft Patio

Utilities and HVAC

Cooling System	Central Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	1123 E RIDGEWAY AVE
City	WATERLOO
State	IA
Zip	50702-4025
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	UNPLATTED WATERLOO WEST S 164 FT E 91 FT W 723 FT E 105 A SE 1/4 EXC STREET AND S 164 FT E 20 FT W 632 FT E 105 A SE 1/4 EXC
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	UNPLATTED WATERLOO WEST
Jurisdiction	BLACK HAWK IA
Minor Civil Division	WATERLOO
Census Blockgroup	2
Census Block	2011
Census Tract	1200

Owner

Source: Black Hawk County records · APN 8913-35-481-030

Assessment roll updated October 17, 2025 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	1123 E RIDGEWAY AVE, WATERLOO, IA 50702-4025
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 16, 2025 · Amount on Record
Deed Sale	Dec 16, 2025 · Amount on Record
Deed Doc Number	202518493
Prior Transfer Date	Dec 27, 2024
Prior Transfer Doc	0000025503
Record Refreshed	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1123 E RIDGEWAY AVE, WATERLOO, IA 50702-4025
Transaction Type	Mortgage
Record Updated	Dec 26, 2025
Title Company	BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK CNTY ABSTRACT & T

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	137 HOPE AVE, WATERLOO, IA 50703-2517

Mortgage

Document Number	0202518494
Date	Dec 16, 2025
Instrument	2025-18494

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	3940 N RAVENSWOOD AVE, CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2056

Tax Assessment & Valuation

Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified June 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,856.00 Homeowner's exemption	$178,770 (+9.01%) Land $32,360 Building $146,410	$178,770 (+9.01%) Land $32,360 Building $146,410
2024	$2,856.00 (+4.08%)
2023		$163,990 (+19.55%) Land $32,360 Building $131,630	$163,990 (+19.55%) Land $32,360 Building $131,630
2022	$2,744.00 Homeowner's exemption	$137,170 Land $32,360 Building $104,810
2021			$137,170 Land $32,360 Building $104,810

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Black Hawk County (19013C), updated September 27, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.