115 Trible Rd, Waterloo, IA 50702 Property Records

Black Hawk County property record for 115 Trible Rd, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 960 sqft · built 1967
Lot Size	0.293 acres (12,750 sqft)
Owner	Individual Name on File
Last Sale	$86,000 (Nov 2005)
Tax Bill	$3,058 (2025)
Deeds & Mortgages	Feb 2020 Refinance Apr 2015 Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`8812-07-327-010`

Property Details

APN / Parcel Number

Primary APN	`8812-07-327-010`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	960 sqft
Basement Area	960 sqft
Finished Basement	550 sqft
Unfinished Basement	960 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Exterior Material	Composition/Composite
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	12,750 sqft (0.293 acres)
Lot Dimensions	150 ft deep x 85 ft wide
Garage Type	Detached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Deck Area	176 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	115 TRIBLE RD
City	WATERLOO
State	IA
Zip	50702-4644
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CEDAR TERRACE THIRD ADDITION LOT 146
Legal Range	12W
Legal Township	88N
Legal Section	07
Legal Subdivision	CEDAR TERRACE THIRD ADDITION
Legal Lot Number	146
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1015
Census Tract	2901

Owner

115 Trible Rd is owned and occupied by an individual who acquired it in November 2022.

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	115 TRIBLE RD, WATERLOO, IA 50702-4644
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 13, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CEDAR RAPIDS BANK & TRUST
Apr 6, 2015	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
Oct 30, 2023	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Nov 16, 2021	Affidavit of Death of Joint Tenant, Transfer
Nov 21, 2005	Legal Action/Court Order, Foreclosure · ARM JOHN DEERE COMMUNITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 21, 2005 · Amount on File
Deed Sale	Nov 21, 2005 · Amount on File
Deed Document Number	20052006013282
Last Transfer Date	Nov 15, 2022
Transfer Doc	0000010521
Record Updated	Oct 29, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	115 TRIBLE RD, WATERLOO, IA 50702-4644
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000014091
Date	Feb 13, 2020
Instrument	202000014091

Lender

Name	CEDAR RAPIDS BANK & TRUST

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

April 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	115 TRIBLE RD, WATERLOO, IA 50702-4644
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201500015875
Date	Apr 6, 2015
Instrument	201500015875

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2045

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 30, 2023
Property Address	115 TRIBLE RD, WATERLOO, IA 50702-4644
Document Number	202400005750
Instrument Date	Oct 27, 2023
Instrument	202400005750
Transaction Type	Transfer
Record Updated	Dec 26, 2023
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$260.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 TRIBLE RD, WATERLOO, IA 50702-4644

Mortgage

Document Number	202400005751
Date	Oct 30, 2023
Instrument	202400005751

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

November 2021: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 16, 2021
Property Address	115 TRIBLE RD, WATERLOO, IA 50702-4644
Document Number	202200010521
Instrument Date	Nov 9, 2021
Instrument	202200010521
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

November 2005: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 21, 2005
Property Address	115 TRIBLE RD, WATERLOO, IA 50702-4644
Document Number	2006013282
Instrument Date	Nov 7, 2005
Instrument	2006013282
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$136.80
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	115 TRIBLE RD, WATERLOO, IA 50702-4644

Mortgage

Document Number	2006013283
Date	Nov 21, 2005
Instrument	2006013283

Lender

Name	JOHN DEERE COMMUNITY CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2035

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Type Change Date	Dec 1, 2012
Change Frequency	Annually
Min Rate At Change	3.62%
Max Rate At Change	7.62%
Index	1-Year T-Bill
Max Rate	13.6%

Tax Assessment & Valuation

The 2025 property tax bill for 115 Trible Rd was $3,058 with a homeowner's exemption, down 5.1% 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	$3,058.00 (-5.09%) Homeowner's exemption	$160,700 Land $21,680 Building $139,020	$160,700 Land $21,680 Building $139,020
2024	$3,222.00
2023		$144,810 (+24.7%) Land $21,680 Building $123,130	$144,810 Land $21,680 Building $123,130
2022	$2,550.00	$116,130 Land $21,680 Building $94,450
2021			$116,130 Land $21,680 Building $94,450

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

Flood

FEMA maps place 115 Trible Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 27, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 49 policies
Nearby Flood Policies	49 in force
Nearby Flood Claims	118 (1978–2016)
Claims Outside the SFHA	11 of 118
Most Recent Claim	Sep 2016 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2016 · 39 claims Severe Storms, Flooding, And Tornadoes, Jul 2010 · 14 claims Severe Storms, Tornadoes, And Flooding, Jun 2008 · 51 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 Trible Rd is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 82% of Iowa
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 220 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	1,000 / 50
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130

May also be available: T-Mobile.

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