1133 Oregon St, Waterloo, IA 50702 Property Records

Black Hawk County property record for 1133 Oregon St, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 988 sqft · built 1962
Lot Size	0.258 acres (11,220 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,010 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-36-328-006`

Property Details

APN / Parcel Number

Primary APN	`8913-36-328-006`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	988 sqft Living Area
1st Floor Area	988 sqft
Basement Area	988 sqft
Finished Basement	600 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	11,220 sqft (0.258 acres)
Lot Dimensions	187 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	852 sqft
Parking Spaces	3 Parking Spaces
Patio Area	170 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1133 OREGON ST
City	WATERLOO
State	IA
Zip	50702-2646
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GOLDEN GARDENS ADDITION LOT 6 BLK 10
Legal Range	13W
Legal Township	89N
Legal Section	36
Legal Subdivision	GOLDEN GARDENS ADDITION
Legal Block	10
Legal Lot Number	6
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	4
Census Block	4009
Census Tract	1000

Owner

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 Record
Mailing Address	1133 OREGON ST, WATERLOO, IA 50702-2646
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2023	Deed of Trust, Mortgage · Line of Credit GREENSTATE CU
Sep 8, 2021	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Jan 13, 2020	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 20, 2025
Deed Sale	Jun 20, 2025
Deed Document Number	20258779
Prior Transfer Date	Jun 13, 2025
Prior Transfer Doc	0202508779
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1133 OREGON ST, WATERLOO, IA 50702-2646
Transaction Type	Mortgage
Record Updated	Aug 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202400001279
Date	Jul 27, 2023
Instrument	202400001279

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jul 26, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1133 OREGON ST, WATERLOO, IA 50702-2646
Transaction Type	Mortgage
Record Updated	Sep 21, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200005297
Date	Sep 8, 2021
Instrument	202200005297

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2036

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1133 OREGON ST, WATERLOO, IA 50702-2646
Transaction Type	Mortgage
Record Updated	Feb 11, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20202000012377
Date	Jan 13, 2020
Instrument	20202000012377

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2035

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	$3,010.00 (+1.28%) Homeowner's exemption	$158,370 (+7.54%) Land $22,680 Building $135,690	$158,370 (+7.54%) Land $22,680 Building $135,690
2024	$2,972.00 (+22.51%)
2023		$147,260 (+23.44%) Land $22,680 Building $124,580	$147,260 (+23.44%) Land $22,680 Building $124,580
2022	$2,426.00 Homeowner's exemption	$119,300 Land $22,680 Building $96,620
2021			$119,300 Land $22,680 Building $96,620

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
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 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 479 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

May also be available: GigFire, Nextlink.

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