115 Lowder Rd, Waterloo, IA 50703 Property Records

Black Hawk County property record for 115 Lowder Rd, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,252 sqft · built 1955
Lot Size	0.62 acres (27,000 sqft)
Owner	2 Individual Names on File
Last Sale	$112,500 (Sep 2005)
Tax Bill	$3,398 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Apr 2024 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-01-301-005`

Property Details

APN / Parcel Number

Primary APN	`8913-01-301-005`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,252 sqft Living Area
1st Floor Area	1,252 sqft
Basement Area	1,252 sqft
Finished Basement	300 sqft
Unfinished Basement	1,252 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	27,000 sqft (0.62 acres)
Lot Dimensions	270 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	640 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	339 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	115 LOWDER RD
City	WATERLOO
State	IA
Zip	50703-1031
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNPLATTED WLOO EAST PART SW FRL 1/4 SEC 1 T 89 R 13 COM AT A PT ON THE N LINE OF THE SW FRL 1/4 THAT IS 425 FT E OF CENT LINE
Legal Range	13W
Legal Township	89N
Legal Section	01
Legal Subdivision	UNPLATTED WLOO EAST
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1040
Census Tract	2604

Owner

115 Lowder Rd is owned and occupied by two individuals who bought it in September 2005.

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

Owner of Record	2 Individual Names on File
Mailing Address	115 LOWDER RD, WATERLOO, IA 50703-1031
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
Apr 6, 2026	Deed of Trust, Mortgage · Conventional Mortgage BANKIOWA
Apr 26, 2024	Deed of Trust, Mortgage BANKIOWA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 6, 2005 · Amount on File
Deed Sale	Sep 6, 2005 · Amount on File
Deed Document Number	20052006006303
Prior Transfer Date	Aug 29, 2005
Prior Transfer Doc	2006006303
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 6, 2026
Property Address	115 LOWDER RD, WATERLOO, IA 50703-1031
Document Number	0000004587
Instrument Date	Mar 30, 2026
Instrument	20264587
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	BLACK HAWK COUNTY ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	115 LOWDER RD, WATERLOO, IA 50703-1031
Investor	Possibly a Property Investor

Mortgage

Document Number	0000004587,
Date	Apr 6, 2026
Instrument	20264587

Lender

Name	BANKIOWA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.44%
Initial Type	Fixed Rate
Max Rate	-1%

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	115 LOWDER RD, WATERLOO, IA 50703-1031
Transaction Type	Mortgage
Record Updated	May 15, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 LOWDER RD, WATERLOO, IA 50703-1031

Mortgage

Document Number	202400013306
Date	Apr 26, 2024
Instrument	2024-00013306

Lender

Name	BANKIOWA
Type	Bank
Address	3222 KIMBALL AVE, WATERLOO, IA 50702

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 115 Lowder Rd was $3,398 with a homeowner's exemption, up 3.7% 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	$3,398.00 (+3.66%) Homeowner's exemption	$177,400 Land $29,500 Building $147,900	$177,400 Land $29,500 Building $147,900
2024	$3,278.00
2023		$161,300 (+36.88%) Land $29,500 Building $131,800	$161,300 Land $29,500 Building $131,800
2022	$2,394.00 Homeowner's exemption	$117,840 Land $29,500 Building $88,340
2021			$117,840 Land $29,500 Building $88,340

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

Flood

FEMA maps place 115 Lowder Rd in Zone X, an area of minimal flood risk, though there have been 21 flood claims nearby since 1979.

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	2 in force
Nearby Flood Claims	21 (1979–2016)
Claims Outside the SFHA	1 of 21
Most Recent Claim	Sep 2016 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2016 · 5 claims Severe Storms, Tornadoes, And Flooding, Jun 2008 · 5 claims Severe Storms & Flooding, Jul 1993 · 4 claims

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

Wildfire risk around 115 Lowder Rd is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 62% of Iowa
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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