115 Thomas Ave, Waterloo, IA 50703 Property Records

Black Hawk County property record for 115 Thomas Ave, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 768 sqft · built 1947
Lot Size	0.194 acres (8,460 sqft)
Owner	Company Name on Record
Last Sale	$78,753 (Jun 2013)
Tax Bill	$1,718 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Jul 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8913-14-301-006`

Property Details

APN / Parcel Number

Primary APN	`8913-14-301-006`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	768 sqft Living Area
1st Floor Area	768 sqft
Basement Area	768 sqft
Finished Basement	165 sqft
Unfinished Basement	768 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,460 sqft (0.194 acres)
Lot Dimensions	141 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	115 THOMAS AVE
City	WATERLOO
State	IA
Zip	50703-2153
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THOMAS & BRINKER SECOND ADD LOT 3 BLK 1
Legal Range	13W
Legal Township	89N
Legal Section	14
Legal Subdivision	THOMAS & BRINKER SECOND ADD
Legal Block	1
Legal Lot Number	3
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1052
Census Tract	1600

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	Company Name on Record
Mailing Address	513 WASHINGTON ST, HUDSON, IA 50643-2202
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 8, 2026	Deed of Trust, Mortgage · Line of Credit FARMERS STATE BANK
Jul 16, 2018	Deed of Trust, Mortgage FIRST NATIONAL BANK
Jun 9, 2023	Quit Claim Deed, Transfer Quitclaim
Mar 10, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage LINCOLN SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 25, 2013 · Amount on Record
Deed Sale	Jun 25, 2013 · Amount on Record
Prior Sale	Dec 14, 2009 · Amount on Record
Deed Document Number	201326881
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	115 THOMAS AVE, WATERLOO, IA 50703-2153
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202600282
Date	Jan 8, 2026
Instrument	2026-00282

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	131 TOWER PARK DR STE 100, WATERLOO, IA 50701

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 7, 2056

Interest

Change Frequency	Monthly

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	115 THOMAS AVE, WATERLOO, IA 50703-2153
Transaction Type	Mortgage
Record Updated	Jun 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900000771
Date	Jul 16, 2018
Instrument	201900000771

Lender

Name	FIRST NATIONAL BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	114 Months
Due	Jan 1, 2028

June 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 9, 2023
Property Address	115 THOMAS AVE, WATERLOO, IA 50703-2153
Document Number	202300016541
Instrument Date	Jun 5, 2023
Instrument	202300016541
Transaction Type	Transfer
Record Updated	Jun 26, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	513 WASHINGTON ST, HUDSON, IA 50643-2202

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Mar 10, 2023
Property Address	115 THOMAS AVE, WATERLOO, IA 50703-2153
Document Number	202300012352
Instrument Date	Mar 7, 2023
Instrument	202300012352
Transaction Type	Transfer
Record Updated	Jun 26, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$122.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	513 WASHINGTON ST, HUDSON, IA 50643-2202

Mortgage

Document Number	202300012353
Date	Mar 10, 2023
Instrument	202300012353

Lender

Name	LINCOLN SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 9, 2043

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	$1,718.00 (-15.87%)	$84,170 (+17.16%) Land $12,000 Building $72,170	$84,170 (+17.16%) Land $12,000 Building $72,170
2024	$2,042.00 (+42.2%)
2023		$71,840 (+9.81%) Land $12,000 Building $59,840	$71,840 (+9.81%) Land $12,000 Building $59,840
2022	$1,436.00 (+2.72%)	$65,420 Land $12,000 Building $53,420
2021	$1,398.00		$65,420 Land $12,000 Building $53,420

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
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	58 (1983–2016)
Claims Outside the SFHA	17 of 58
Most Recent Claim	Sep 2016 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2016 · 20 claims Severe Storms, Tornadoes, And Flooding, Jun 2008 · 18 claims Severe Storms & Flooding, Aug 1993 · 15 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

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 118 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
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

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