1134 E Ridgeway Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 1134 E Ridgeway Ave, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,094 sqft · built 1957
Lot Size	0.275 acres (12,000 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,782 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Oct 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8813-03-226-005`

Property Details

APN / Parcel Number

Primary APN	`8813-03-226-005`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,094 sqft Living Area
1st Floor Area	1,094 sqft
Basement Area	1,094 sqft
Unfinished Basement	1,094 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Metal
Lot Area	12,000 sqft (0.275 acres)
Lot Dimensions	150 ft deep x 80 ft wide
Garage Type	Mixed
Garage Area	1,094 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	30 sqft
Deck Area	144 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1134 E RIDGEWAY AVE
City	WATERLOO
State	IA
Zip	50702-4026
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LINDNER HEIGHTS ADDITION LOT 5
Legal Range	13W
Legal Township	88N
Legal Section	03
Legal Subdivision	LINDNER HEIGHTS ADDITION
Legal Lot Number	5
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1004
Census Tract	1301

Owner

Source: Black Hawk County records, as of September 1, 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 Record
Mailing Address	1134 E RIDGEWAY AVE, WATERLOO, IA 50702-4026
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCING CORP
Oct 12, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage AMERICAN FINANCING CORP
Jan 22, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Oct 4, 2021
Transfer Doc	0000009482
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1134 E RIDGEWAY AVE, WATERLOO, IA 50702-4026
Transaction Type	Mortgage
Record Updated	Nov 15, 2021
Title Company	BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK CNTY ABSTRACT & T

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200009483
Date	Nov 2, 2021
Instrument	202200009483

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution
Address	AURORA, CO 80014

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	132 Months
Due	Nov 1, 2032

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 12, 2021
Property Address	1134 E RIDGEWAY AVE, WATERLOO, IA 50702-4026
Document Number	202200007896
Instrument Date	Oct 4, 2021
Instrument	202200007896
Transaction Type	Transfer
Record Updated	Oct 25, 2021
Title Company	BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK CNTY ABSTRACT & T

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4940 PLEASANT ST, WEST DES MOINES, IA 50266-1783

Mortgage

Document Number	202200007897
Date	Oct 12, 2021
Instrument	202200007897

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	133 Months
Due	Nov 1, 2032

January 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BLACK HAWK IA
Recording Date	Jan 22, 2021
Property Address	1134 E RIDGEWAY AVE, WATERLOO, IA 50702-4026
Document Number	202100015482
Instrument Date	Jan 18, 2021
Instrument	202100015482
Transaction Type	Transfer
Record Updated	Feb 10, 2022

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	1134 E RIDGEWAY AVE, WATERLOO, IA 50702-4026

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	$3,782.00 (+0.48%) Homeowner's exemption	$196,160 (+6.75%) Land $28,560 Building $167,600	$196,160 (+6.75%) Land $28,560 Building $167,600
2024	$3,764.00 (+25.38%)
2023		$183,760 (+26.22%) Land $28,560 Building $155,200	$183,760 (+26.22%) Land $28,560 Building $155,200
2022	$3,002.00 Homeowner's exemption	$145,590 Land $28,560 Building $117,030
2021			$145,590 Land $28,560 Building $117,030

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 · 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	1 in force
Nearby Flood Claims	6 (1979–1990)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Jun 1990 · river or lake flooding

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

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 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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