115 Ruby Dr, Waterloo, IA 50702 Property Records

Black Hawk County property record for 115 Ruby Dr, Waterloo, IA 50702 · Last verified June 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	2 Beds
Bathrooms	2 Baths
Year Built	Built 1962
Square Footage	816 sqft Living Area
Lot Size	14,880 sqft (0.342 acres)
Occupancy	Owner Occupied
Last Sale	$94,000 (2017)
Tax Bill	$2,748.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`8812-07-152-007`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Building Area	816 sqft Living Area
1st Floor	816 sqft 1st Floor
Basement Area	816 sqft Basement
Finished Basement	72 sqft Finished
Game Room	Game Room
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Exterior Material	Vinyl Exterior
Construction Type	Frame Construction
Roof Construction	Hip Roof Construction
Roof Material	Asphalt Roof
Lot Area	14,880 sqft (0.342 acres)
Depth X Width	160 ft x 93 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Detached Garage
Garage Area	580 sqft Garage
Patio Area	160 sqft Patio
Porch	1 Porch
Porch Area	96 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	115 RUBY DR
City	WATERLOO
State	IA
Zip	50702-4638
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	CLOSSON SUBDIVISION LOT 7
Legal Range	12W
Legal Township	88N
Legal Section	07
Legal Subdivision	CLOSSON SUBDIVISION
Legal Lot Number	7
Jurisdiction	BLACK HAWK IA
Minor Civil Division	WATERLOO
Census Blockgroup	1
Census Block	1021
Census Tract	2901

Owner

Source: Black Hawk County records · APN 8812-07-152-007

Assessment roll updated October 17, 2025 · Last verified June 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	115 RUBY DR, WATERLOO, IA 50702-4638
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 12, 2017 · Amount on Record
Deed Sale	Jun 12, 2017 · Amount on Record
Prior Sale	Oct 02, 2015 · Amount on Record
Deed Doc Number	201721816
Record Refreshed	Sep 20, 2026

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 12, 2017
Property Address	115 RUBY DR, WATERLOO, IA 50702-4638
Document Number	201700021816
Instrument Date	Jun 01, 2017
Instrument	2017-00021816
Transaction Type	Transfer
Record Updated	Nov 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$149.60
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 RUBY DR, WATERLOO, IA 50702-4638

Mortgage

Document Number	201700021817
Date	Jun 12, 2017
Instrument	2017-00021817

Lender

Name	COLLINS COMMUNITY CU
Type	Credit Union
Address	CEDAR RAPIDS, IA 52402

Agreement

Type	Adjustable Rate Mortgage (ARM)
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Adjustable	Document includes a rider for adjustable-rate mortgage with a specific rate change date.
Type Change Date	Jul 01, 2024
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	5.87%
Index	1-Year CMT
Max Rate	9.87%

Tax Assessment & Valuation

Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified June 2026

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

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	$2,748.00 Homeowner's exemption	$138,570 (+1.24%) Land $24,180 Building $114,390	$138,570 (+1.24%) Land $24,180 Building $114,390
2024	$2,748.00 (+23.12%)
2023		$136,870 (+23.9%) Land $24,180 Building $112,690	$136,870 (+23.9%) Land $24,180 Building $112,690
2022	$2,232.00 Homeowner's exemption	$110,470 Land $24,180 Building $86,290
2021			$110,470 Land $24,180 Building $86,290

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Black Hawk County (19013C), updated September 27, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.