1158 E Ridgeway Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 1158 E Ridgeway Ave, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,136 sqft · built 1960
Lot Size	0.275 acres (12,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$143,000 (Oct 2013)
Tax Bill	$4,276 (2025)
Deeds & Mortgages	Oct 2017 Mortgage Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8813-03-226-009`

Property Details

APN / Parcel Number

Primary APN	`8813-03-226-009`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,136 sqft Living Area
1st Floor Area	1,136 sqft
Basement Area	1,136 sqft
Finished Basement	850 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	12,000 sqft (0.275 acres)
Lot Dimensions	150 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	30 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1158 E RIDGEWAY AVE
City	WATERLOO
State	IA
Zip	50702-4026
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LINDNER HEIGHTS ADDITION LOT 9
Legal Range	13W
Legal Township	88N
Legal Section	03
Legal Subdivision	LINDNER HEIGHTS ADDITION
Legal Lot Number	9
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1004
Census Tract	1301

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	2 Individual Names on Record
Mailing Address	1158 E RIDGEWAY AVE, WATERLOO, IA 50702-4026
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2017	Deed of Trust, Mortgage · ARM UNIVERSITY OF IOWA COMMUNITY CU
Oct 9, 2017	Warranty Deed, Transfer · Conventional Mortgage UNIVERSITY OF IOWA COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2013 · Amount on Record
Deed Sale	Oct 1, 2013 · Amount on Record
Deed Document Number	20132014007216
Record Updated	Oct 29, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1158 E RIDGEWAY AVE, WATERLOO, IA 50702-4026
Transaction Type	Mortgage
Record Updated	Jul 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800006251
Date	Oct 9, 2017
Instrument	2018-00006251

Lender

Name	UNIVERSITY OF IOWA COMMUNITY CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Oct 5, 2047

Interest

Rate Type	Adjustable Rate
Rate	4%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 5, 2027
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	6%
Index	1-Year CMT
Max Rate	10%

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 9, 2017
Property Address	1158 E RIDGEWAY AVE, WATERLOO, IA 50702-4026
Document Number	201800006250
Instrument Date	Sep 29, 2017
Instrument	2018-00006250
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1158 E RIDGEWAY AVE, WATERLOO, IA 50702-4026

Mortgage

Document Number	201800006252
Date	Oct 9, 2017
Instrument	2018-00006252

Lender

Name	UNIVERSITY OF IOWA COMMUNITY CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Oct 5, 2027

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	$4,276.00 (+0.66%)	$209,510 (+6.98%) Land $28,560 Building $180,950	$209,510 (+6.98%) Land $28,560 Building $180,950
2024	$4,248.00 (+23.63%)
2023		$195,840 (+25.18%) Land $28,560 Building $167,280	$195,840 (+25.18%) Land $28,560 Building $167,280
2022	$3,436.00	$156,450 Land $28,560 Building $127,890
2021			$156,450 Land $28,560 Building $127,890

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	6 (1979–1990)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Jun 1990 · river or lake flooding

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 645 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

May also be available: GigFire, Nextlink, Verizon.

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