1123 Ridgemont Rd, Waterloo, IA 50701 Property Records

Black Hawk County property record for 1123 Ridgemont Rd, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,684 sqft · built 1961
Lot Size	0.292 acres (12,740 sqft)
Owner	2 Individual Names on File
Last Sale	$410,000 (Nov 2024)
Tax Bill	$7,320 (2025)
Deeds & Mortgages	Mar 2024 Transfer Nov 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8813-04-304-010`

Property Details

APN / Parcel Number

Primary APN	`8813-04-304-010`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,684 sqft Living Area
1st Floor Area	1,684 sqft
Basement Area	1,684 sqft
Finished Basement	850 sqft
Unfinished Basement	1,684 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	12,740 sqft (0.292 acres)
Lot Dimensions	140 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	332 sqft
Patio Area	1,080 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1123 RIDGEMONT RD
City	WATERLOO
State	IA
Zip	50701-4841
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SHERIDAN HEIGHTS ADDITION LOT 10
Legal Range	13W
Legal Township	88N
Legal Section	04
Legal Subdivision	SHERIDAN HEIGHTS ADDITION
Legal Lot Number	10
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2013
Census Tract	1302

Owner

1123 Ridgemont Rd is owned and occupied by two individuals who bought it in November 2024.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	1123 RIDGEMONT RD, WATERLOO, IA 50701-4841
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2024	Intrafamily Transfer, Transfer
Nov 13, 2023	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 13, 2024 · Amount on File
Deed Sale	Nov 13, 2024 · Amount on File
Prior Sale	Nov 13, 2023 · Amount on File
Deed Document Number	20246290
Record Updated	Oct 29, 2026

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BLACK HAWK IA
Recording Date	Mar 18, 2024
Property Address	1123 RIDGEMONT RD, WATERLOO, IA 50701-4841
Document Number	202400011327
Instrument Date	Feb 19, 2024
Instrument	202400011327
Transaction Type	Transfer
Record Updated	Apr 2, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1123 RIDGEMONT RD, WATERLOO, IA 50701-4841

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 13, 2023
Property Address	1123 RIDGEMONT RD, WATERLOO, IA 50701-4841
Document Number	202400006290
Instrument Date	Nov 10, 2023
Instrument	202400006290
Transaction Type	Transfer
Record Updated	Apr 2, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$655.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1123 RIDGEMONT RD, WATERLOO, IA 50701-4841

Mortgage

Document Number	202400006291
Date	Nov 13, 2023
Instrument	202400006291

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 1123 Ridgemont Rd was $7,320 with a homeowner's exemption, up 8.1% 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	$7,320.00 (+8.12%) Homeowner's exemption	$369,600 Land $37,600 Building $332,000	$369,600 Land $37,600 Building $332,000
2024	$6,770.00
2023		$296,390 (+20.11%) Land $37,600 Building $258,790	$296,390 Land $37,600 Building $258,790
2022	$5,224.00 Homeowner's exemption	$246,760 Land $37,600 Building $209,160
2021			$246,760 Land $37,600 Building $209,160

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

Flood

FEMA maps place 1123 Ridgemont Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims 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 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

Wildfire risk around 1123 Ridgemont Rd is low, with less than a 0.01% annual chance of 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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