Black Hawk County property record for 1140 E Ridgeway Ave, Waterloo, IA 50702
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,144 sqft · built 1956 |
| Lot Size | 0.275 acres (12,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $189,000 (Nov 2024) |
| Tax Bill | $3,866 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage Oct 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 8813-03-226-006 |
| Primary APN | 8813-03-226-006 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,144 sqft Living Area |
| 1st Floor Area | 1,144 sqft |
| Basement Area | 1,144 sqft |
| Finished Basement | 600 sqft |
| Unfinished Basement | 1,144 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 12,000 sqft (0.275 acres) |
| Lot Dimensions | 150 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 416 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 120 sqft |
| Patio Area | 180 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 1140 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 6 |
| Legal Range | 13W |
| Legal Township | 88N |
| Legal Section | 03 |
| Legal Subdivision | LINDNER HEIGHTS ADDITION |
| Legal Lot Number | 6 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 1301 |
Source: Black Hawk County records · APN 8813-03-226-006
Assessment roll updated October 17, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1140 E RIDGEWAY AVE, WATERLOO, IA 50702-4026 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 16, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GREENSTATE CU |
| Oct 16, 2020 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) GREENSTATE CU |
| May 09, 2018 | Deed of Trust, Mortgage · ARM VERIDIAN CREDIT UNION |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 15, 2024 · Amount on Record |
| Deed Sale | Nov 15, 2024 · Amount on Record |
| Prior Sale | Oct 16, 2021 · Amount on Record |
| Deed Document Number | 202423429 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 1140 E RIDGEWAY AVE, WATERLOO, IA 50702-4026 |
| Transaction Type | Mortgage |
| Record Updated | Oct 17, 2025 |
| Name | Verified Name |
|---|
| Document Number | 202100008140 |
|---|---|
| Date | Oct 16, 2020 |
| Instrument | 202100008140 |
| Name | GREENSTATE CU |
|---|---|
| Type | Credit Union |
| Address | NORTH LIBERTY, IA 52317 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 05, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.37% |
| Type Change Date | Oct 05, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 5% |
| Max Rate At Change | 5.37% |
| Index | 1-Year CMT |
| Max Rate | 9.37% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 1140 E RIDGEWAY AVE, WATERLOO, IA 50702-4026 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2023 |
| Name | Verified Name |
|---|
| Document Number | 202100008141 |
|---|---|
| Date | Oct 16, 2020 |
| Instrument | 202100008141 |
| Name | GREENSTATE CU |
|---|---|
| Type | Credit Union |
| Address | NORTH LIBERTY, IA 52317 |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Sep 18, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 1140 E RIDGEWAY AVE, WATERLOO, IA 50702-4026 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 201800018301 |
|---|---|
| Date | May 09, 2018 |
| Instrument | 201800018301 |
| Name | VERIDIAN CREDIT UNION |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 356 Months |
| Due | Jan 01, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.8% |
| Type Change Date | Jun 01, 2028 |
| Index | Other |
Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,866.00 Homeowner's exemption | $200,940 (+6.63%) Land $28,560 Building $172,380 | $200,940 (+6.63%) Land $28,560 Building $172,380 |
| 2024 | $3,866.00 (+16.94%) | ||
| 2023 | $188,450 (+25.2%) Land $28,560 Building $159,890 | $188,450 (+25.2%) Land $28,560 Building $159,890 | |
| 2022 | $3,306.00 | $150,520 Land $28,560 Building $121,960 | |
| 2021 | $150,520 Land $28,560 Building $121,960 |
Source: FEMA National Flood Hazard Layer as of September 27, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Waterloo Telecommunications Utility Fiber | 10,000 / 10,000 |
| Metronet Holdings Fiber | 5,120 / 5,120 |
| Mediacom Communications Cable · Fiber in parts of the area | 1,000 / 50 |
May also be available: AMG Technology Investment Group, LTD Broadband, Verizon.
Based on FCC filings for 645 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WATERLOO WATER WORKS serves 69,504 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2023 |
| Lead | 2 ppb (2025) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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