1157 Patton Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 1157 Patton Ave, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 810 sqft · built 1946
Lot Size	0.145 acres (6,300 sqft)
Owner	Individual Name on Record
Last Sale	$114,000 (Jul 2025)
Tax Bill	$2,434 (2025)
Deeds & Mortgages	Jul 2025 Sale & Mortgage Nov 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-35-281-023`

Property Details

APN / Parcel Number

Primary APN	`8913-35-281-023`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	810 sqft Living Area
1st Floor Area	810 sqft
Basement Area	810 sqft
Finished Basement	400 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,300 sqft (0.145 acres)
Lot Dimensions	126 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Deck Area	176 sqft
Patio Area	40 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1157 PATTON AVE
City	WATERLOO
State	IA
Zip	50702-3325
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LIBERTY ADDITION LOT 23 BLK 6
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	LIBERTY ADDITION
Legal Block	6
Legal Lot Number	23
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2032
Census Tract	1100

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	Individual Name on Record
Mailing Address	1157 PATTON AVE, WATERLOO, IA 50702-3325
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2025	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU
Nov 16, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 15, 2025 · Amount on Record
Deed Sale	Jul 15, 2025 · Amount on Record
Prior Sale	Aug 19, 2014 · Amount on Record
Deed Document Number	202510119
Record Updated	Oct 29, 2026

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jul 15, 2025
Property Address	1157 PATTON AVE, WATERLOO, IA 50702-3325
Document Number	0202510119
Instrument Date	Jun 28, 2025
Instrument	2025-10119
Transaction Type	Transfer
Record Updated	Oct 17, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$181.60
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1157 PATTON AVE, WATERLOO, IA 50702-3325

Mortgage

Document Number	0202510120
Date	Jul 15, 2025
Instrument	2025-10120

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2032
Change Frequency	Annually
Min Rate At Change	4.87%
Max Rate At Change	8.5%
Index	1-Year CMT
Max Rate	12.5%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1157 PATTON AVE, WATERLOO, IA 50702-3325
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1157 PATTON AVE, WATERLOO, IA 50702-3325

Mortgage

Document Number	202200010452
Date	Nov 16, 2021
Instrument	202200010452

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	316 Months
Due	Mar 1, 2048

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	$2,434.00 (+2.35%)	$119,310 (+8.86%) Land $16,980 Building $102,330	$119,310 (+8.86%) Land $16,980 Building $102,330
2024	$2,378.00 (+29.66%)
2023		$109,600 (+31.27%) Land $16,980 Building $92,620	$109,600 (+31.27%) Land $16,980 Building $92,620
2022	$1,834.00	$83,490 Land $16,980 Building $66,510
2021			$83,490 Land $16,980 Building $66,510

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
Nearby Flood Policies	1 in force
Nearby Flood Claims	5 (1979–2013)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Mar 2013 · tidal / storm surge

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	Low lower than 98% of the US · lower than 82% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 719 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
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130

May also be available: Nextlink.

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