1146 Wisner Dr, Waterloo, IA 50702 Property Records

Black Hawk County property record for 1146 Wisner Dr, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 812 sqft · built 1956
Lot Size	0.179 acres (7,800 sqft)
Owner	Individual Name on File
Tax Bill	$1,840 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Jan 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8913-35-481-008`

Property Details

APN / Parcel Number

Primary APN	`8913-35-481-008`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	812 sqft Living Area
1st Floor Area	812 sqft
Basement Area	812 sqft
Finished Basement	400 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,800 sqft (0.179 acres)
Lot Dimensions	130 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Patio Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1146 WISNER DR
City	WATERLOO
State	IA
Zip	50702-4038
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BELLEVUE ADDITION LOT 60
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	BELLEVUE ADDITION
Legal Lot Number	60
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2011
Census Tract	1200

Owner

1146 Wisner Dr is owned and occupied by an individual.

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	Individual Name on File
Mailing Address	1146 WISNER DR, WATERLOO, IA 50702-4038
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2022	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Jan 26, 2022	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
May 12, 2017	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Jul 15, 2019	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1146 WISNER DR, WATERLOO, IA 50702-4038
Transaction Type	Mortgage
Record Updated	Oct 11, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202300005137
Date	Sep 26, 2022
Instrument	202300005137

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1146 WISNER DR, WATERLOO, IA 50702-4038
Transaction Type	Mortgage
Record Updated	Feb 8, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200015232
Date	Jan 26, 2022
Instrument	202200015232

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	354 Months
Due	Jul 1, 2051

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1146 WISNER DR, WATERLOO, IA 50702-4038
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700019753
Date	May 12, 2017
Instrument	2017-00019753

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	239 Months
Due	Apr 12, 2037

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1146 WISNER DR, WATERLOO, IA 50702-4038
Transaction Type	Mortgage
Record Updated	Aug 7, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000000902
Date	Jul 15, 2019
Instrument	202000000902

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1146 Wisner Dr was $1,840 with a homeowner's exemption, up 4.2% 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	$1,840.00 (+4.19%) Homeowner's exemption	$124,600 Land $20,580 Building $104,020	$124,600 Land $20,580 Building $104,020
2024	$1,766.00
2023		$113,780 (+19.96%) Land $20,580 Building $93,200	$113,780 Land $20,580 Building $93,200
2022	$1,814.00 Homeowner's exemption	$94,850 Land $20,580 Building $74,270
2021			$94,850 Land $20,580 Building $74,270

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

Flood

FEMA maps place 1146 Wisner Dr in Zone X, an area of minimal flood risk.

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

The area around 1146 Wisner Dr 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 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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