1128 Forest Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 1128 Forest Ave, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,058 sqft · built 1911
Lot Size	0.146 acres (6,350 sqft)
Owner	Individual Name on File
Last Sale	$70,000 (Jun 2019)
Tax Bill	$1,934 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-35-232-008`

Property Details

APN / Parcel Number

Primary APN	`8913-35-232-008`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,058 sqft Living Area
1st Floor Area	572 sqft
Basement Area	572 sqft
Unfinished Basement	572 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1911
Effective Year Built	Effective 1911
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	6,350 sqft (0.146 acres)
Lot Dimensions	127 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	200 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	192 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1128 FOREST AVE
City	WATERLOO
State	IA
Zip	50702-3135
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAPLE LEAF ADDITION LOT 6 BLK 3
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	MAPLE LEAF ADDITION
Legal Block	3
Legal Lot Number	6
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2014
Census Tract	1100

Owner

1128 Forest Ave is owned and occupied by an individual who bought it in June 2019.

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

Owner of Record	Individual Name on File
Mailing Address	1128 FOREST AVE, WATERLOO, IA 50702-3135
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
Mar 29, 2021	Deed of Trust, Mortgage · Second Mortgage (Down Payment) COMMUNITY DEVELOPMENT BOARD
Jun 27, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage VERIDIAN CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 27, 2019 · Amount on File
Deed Sale	Jun 27, 2019 · Amount on File
Prior Sale	Aug 28, 2009 · Amount on File
Deed Document Number	201919673
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1128 FOREST AVE, WATERLOO, IA 50702-3135
Transaction Type	Mortgage
Record Updated	Apr 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100020190
Date	Mar 29, 2021
Instrument	202100020190

Lender

Name	COMMUNITY DEVELOPMENT BOARD
Type	Government Agency
Address	WATERLOO, IA 50702

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 27, 2019
Property Address	1128 FOREST AVE, WATERLOO, IA 50702-3135
Document Number	201900019673
Instrument Date	May 16, 2019
Instrument	201900019673
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1128 FOREST AVE, WATERLOO, IA 50702-3135

Mortgage

Document Number	201900019674
Date	Jun 27, 2019
Instrument	201900019674

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.3%
Type Change Date	Jul 5, 2029
Max Rate At Change	2.7%

Mortgage

Document Number	201900019673
Date	Jun 27, 2019
Instrument	201900019673

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.3%
Type Change Date	Jul 5, 2029
Index	1-Year CMT

Tax Assessment & Valuation

The 2025 property tax bill for 1128 Forest Ave was $1,934 with a homeowner's exemption, up 2.1% 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	$1,934.00 (+2.11%) Homeowner's exemption	$105,660 Land $15,760 Building $89,900	$105,660 Land $15,760 Building $89,900
2024	$1,894.00
2023		$97,490 (+23.78%) Land $15,760 Building $81,730	$97,490 Land $15,760 Building $81,730
2022	$1,534.00 Homeowner's exemption	$78,760 Land $15,760 Building $63,000
2021			$78,760 Land $15,760 Building $63,000

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

Flood

FEMA maps place 1128 Forest 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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AO, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	5 (1979–2013)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Mar 2013 · tidal / storm surge

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 1128 Forest 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 740 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
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink.

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