1158 Loretta Ave, Waterloo, IA 50702 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 876 sqft · built 1956
Lot Size	0.179 acres (7,800 sqft)
Owner	Individual Name on File
Tax Bill	$2,794 (2025)
Deeds & Mortgages	May 2017 Mortgage Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8913-35-480-008`

Property Details

APN / Parcel Number

Primary APN	`8913-35-480-008`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	876 sqft Living Area
1st Floor Area	876 sqft
Basement Area	876 sqft
Finished Basement	400 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Exterior Material	Brick
Construction Type	Brick
Roof Type	Hip
Roof Material	Asphalt
Lot Area	7,800 sqft (0.179 acres)
Lot Dimensions	130 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	352 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	196 sqft
Patio Area	120 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1158 LORETTA AVE
City	WATERLOO
State	IA
Zip	50702-4016
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BELLEVUE ADDITION LOT 29
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	BELLEVUE ADDITION
Legal Lot Number	29
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2010
Census Tract	1200

Owner

1158 Loretta Ave is owned and occupied by an individual who acquired it in April 2017.

Source: Black Hawk County records, as of September 1, 2026

Owner of Record	Individual Name on File
Mailing Address	1158 LORETTA AVE, WATERLOO, IA 50702-4016
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 12, 2017	Deed of Trust, Mortgage · ARM UNIVERSITY OF IOWA COMMUNITY CU
Jan 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
May 12, 2017	Warranty Deed, Transfer · Conventional Mortgage UNIVERSITY OF IOWA COMMUNITY CU
Apr 13, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Apr 10, 2017
Transfer Doc	0000017867
Record Updated	Oct 29, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1158 LORETTA AVE, WATERLOO, IA 50702-4016
Transaction Type	Mortgage
Record Updated	Jul 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700019806
Date	May 12, 2017
Instrument	2017-00019806

Lender

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

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	May 5, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2022
Change Frequency	Annually
Min Rate At Change	4.87%
Max Rate At Change	5.25%
Index	1-Year CMT
Max Rate	9.25%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1158 LORETTA AVE, WATERLOO, IA 50702-4016
Transaction Type	Mortgage
Record Updated	Jul 8, 2022
Title Company	TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1158 LORETTA AVE, WATERLOO, IA 50702-4016

Mortgage

Document Number	202100014823
Date	Jan 13, 2021
Instrument	202100014823

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2036

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 12, 2017
Property Address	1158 LORETTA AVE, WATERLOO, IA 50702-4016
Document Number	201700019805
Instrument Date	May 2, 2017
Instrument	2017-00019805
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

Amount	Amount on Record
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
Address	1158 LORETTA AVE, WATERLOO, IA 50702-4016

Mortgage

Document Number	201700019807
Date	May 12, 2017
Instrument	2017-00019807

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	72 Months
Due	May 5, 2023

April 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 13, 2017
Property Address	1158 LORETTA AVE, WATERLOO, IA 50702-4016
Document Number	201700017867
Instrument Date	Apr 10, 2017
Instrument	2017-00017867
Transaction Type	Transfer
Record Updated	Jul 8, 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
Address	214 1ST AVE SW, BRITT, IA 50423-1501

Tax Assessment & Valuation

The 2025 property tax bill for 1158 Loretta Ave was $2,794 with a homeowner's exemption, up 3.7% 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	$2,794.00 (+3.71%) Homeowner's exemption	$147,800 Land $20,580 Building $127,220	$147,800 Land $20,580 Building $127,220
2024	$2,694.00
2023		$134,370 (+20.21%) Land $20,580 Building $113,790	$134,370 Land $20,580 Building $113,790
2022	$2,260.00 Homeowner's exemption	$111,780 Land $20,580 Building $91,200
2021			$111,780 Land $20,580 Building $91,200

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

Flood

FEMA maps place 1158 Loretta Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 27, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

The area around 1158 Loretta Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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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