1127 Lorraine Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 1127 Lorraine Ave, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,070 sqft · built 1950
Lot Size	0.145 acres (6,300 sqft)
Owner	2 Individual Names on File
Last Sale	$125,000 (May 2023)
Tax Bill	$3,090 (2025)
Deeds & Mortgages	May 2023 Sale & Second Mortgage Aug 2022 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-35-429-028`

Property Details

APN / Parcel Number

Primary APN	`8913-35-429-028`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,070 sqft Living Area
1st Floor Area	875 sqft
Basement Area	875 sqft
Finished Basement	275 sqft
Unfinished Basement	875 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
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	552 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	200 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1127 LORRAINE AVE
City	WATERLOO
State	IA
Zip	50702-4046
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LIBERTY ADDITION LOT 29 BLK 10
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	LIBERTY ADDITION
Legal Block	10
Legal Lot Number	29
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2003
Census Tract	1200

Owner

1127 Lorraine Ave is owned and occupied by two individuals who bought it in May 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	1127 LORRAINE AVE, WATERLOO, IA 50702-4046
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
May 17, 2023	Warranty Deed, Transfer · Stand-Alone Second Mortgage VERIDIAN CU
Aug 24, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 2023 · Amount on File
Deed Sale	May 17, 2023 · Amount on File
Deed Document Number	202315440
Prior Transfer Date	Aug 22, 2014
Prior Transfer Doc	201500003523
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 17, 2023
Property Address	1127 LORRAINE AVE, WATERLOO, IA 50702-4046
Document Number	202300015440
Instrument Date	May 16, 2023
Instrument	202300015440
Transaction Type	Transfer
Record Updated	Jun 2, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$199.20
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	1127 LORRAINE AVE, WATERLOO, IA 50702-4046

Mortgage

Document Number	202300015442
Date	May 17, 2023
Instrument	202300015442

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Jun 1, 2033

Mortgage

Document Number	202300015441
Date	May 17, 2023
Instrument	202300015441

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Type Change Date	Jun 1, 2033
Change Frequency	Annually
Min Rate At Change	4.75%
Max Rate At Change	8.75%
Index	1-Year T-Bill
Max Rate	12.7%

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1127 LORRAINE AVE, WATERLOO, IA 50702-4046
Transaction Type	Mortgage
Record Updated	Sep 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1127 LORRAINE AVE, WATERLOO, IA 50702-4046

Mortgage

Document Number	202300003232
Date	Aug 24, 2022
Instrument	202300003232

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Sep 5, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 1127 Lorraine Ave was $3,090, up 2.7% 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	$3,090.00 (+2.73%)	$151,370 Land $16,980 Building $134,390	$151,370 Land $16,980 Building $134,390
2024	$3,008.00
2023		$138,640 (+32.57%) Land $16,980 Building $121,660	$138,640 Land $16,980 Building $121,660
2022	$2,296.00	$104,580 Land $16,980 Building $87,600
2021			$104,580 Land $16,980 Building $87,600

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

Flood

FEMA maps place 1127 Lorraine Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 1127 Lorraine Ave 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 99.1% of the US · lower than 91% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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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