116 Bourland Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 116 Bourland Ave, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 962 sqft · built 1952
Lot Size	0.203 acres (8,844 sqft)
Owner	2 Individual Names on File
Last Sale	$137,000 (Aug 2021)
Tax Bill	$2,602 (2025)
Deeds & Mortgages	Nov 2018 Refinance Feb 2009 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`8913-35-302-002`

Property Details

APN / Parcel Number

Primary APN	`8913-35-302-002`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	962 sqft Living Area
1st Floor Area	962 sqft
Basement Area	962 sqft
Finished Basement	400 sqft
Unfinished Basement	962 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,844 sqft (0.203 acres)
Lot Dimensions	134 ft deep x 66 ft wide
Garage Type	Detached
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	32 sqft
Patio Area	187 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	116 BOURLAND AVE
City	WATERLOO
State	IA
Zip	50702-3802
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SCHMITZ ADDITION LOT 18
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	SCHMITZ ADDITION
Legal Lot Number	18
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1008
Census Tract	1200

Owner

116 Bourland Ave is owned and occupied by two individuals who bought it in August 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	116 BOURLAND AVE, WATERLOO, IA 50702-3802
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
Nov 29, 2018	Deed of Trust, Mortgage · Stand-Alone Refinance UNIVERSITY OF IOWA CREDIT UNION
Feb 10, 2009	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
Nov 29, 2018	Deed of Trust, Mortgage · Stand-Alone Refinance UNIVERSITY OF IOWA CREDIT UNION
Aug 23, 2021	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU
May 11, 2020	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Nov 29, 2018	Warranty Deed, Transfer · Stand-Alone Refinance UNIVERSITY OF IOWA CREDIT UNION
Apr 1, 2005	Legal Action/Court Order, Foreclosure · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 23, 2021 · Amount on File
Deed Sale	Aug 23, 2021 · Amount on File
Prior Sale	Oct 20, 2020 · Amount on File
Deed Document Number	2021202200004129
Prior Transfer Date	Oct 16, 2020
Prior Transfer Doc	2100008443
Record Updated	Oct 29, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	116 BOURLAND AVE, WATERLOO, IA 50702-3802
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900008445
Date	Nov 29, 2018
Instrument	201900008445

Lender

Name	UNIVERSITY OF IOWA CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Dec 1, 2028

February 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	116 BOURLAND AVE, WATERLOO, IA 50702-3802
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2009014677
Date	Feb 10, 2009
Instrument	2009014677

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2024

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	116 BOURLAND AVE, WATERLOO, IA 50702-3802
Transaction Type	Mortgage
Record Updated	Jul 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900008444
Date	Nov 29, 2018
Instrument	201900008444

Lender

Name	UNIVERSITY OF IOWA CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2048

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Aug 23, 2021
Property Address	116 BOURLAND AVE, WATERLOO, IA 50702-3802
Document Number	202200004129
Instrument Date	Aug 17, 2021
Instrument	202200004129
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$218.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	116 BOURLAND AVE, WATERLOO, IA 50702-3802

Mortgage

Document Number	202200004130
Date	Aug 23, 2021
Instrument	202200004130

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 5, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Sep 5, 2031
Change Frequency	Annually
Min Rate At Change	4.87%
Max Rate At Change	4.87%
Index	1-Year CMT
Max Rate	8.87%

Mortgage

Document Number	202200004131
Date	Aug 23, 2021
Instrument	202200004131

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Sep 5, 2031

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 11, 2020
Property Address	116 BOURLAND AVE, WATERLOO, IA 50702-3802
Document Number	202000019561
Instrument Date	Mar 1, 2020
Instrument	202000019561
Transaction Type	Transfer
Record Updated	Jul 8, 2022
Title Company	BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK CNTY ABSTRACT & T

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$216.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	116 BOURLAND AVE, WATERLOO, IA 50702-3802

Mortgage

Document Number	202000019562
Date	May 11, 2020
Instrument	202000019562

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 29, 2018
Property Address	116 BOURLAND AVE, WATERLOO, IA 50702-3802
Document Number	201900008443
Instrument Date	Nov 9, 2018
Instrument	201900008443
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
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	116 BOURLAND AVE, WATERLOO, IA 50702-3802

Mortgage

Document Number	201900008444
Date	Nov 29, 2018
Instrument	201900008444

Lender

Name	UNIVERSITY OF IOWA CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2048

April 2005: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 1, 2005
Property Address	116 BOURLAND AVE, WATERLOO, IA 50702-3802
Document Number	2005022650
Instrument Date	Mar 16, 2005
Instrument	2005022650
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026
Title Company	IOWA TITLE AND ESCROW SERVICES INC, IOWA TITLE & ESCROW SERVICE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$124.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	116 BOURLAND AVE, WATERLOO, IA 50702-3802

Mortgage

Document Number	2005022651
Date	Apr 1, 2005
Instrument	2005022651

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 116 Bourland Ave was $2,602 with a homeowner's exemption, down 7.5% 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	$2,602.00 (-7.47%) Homeowner's exemption	$138,350 Land $22,870 Building $115,480	$138,350 Land $22,870 Building $115,480
2024	$2,812.00
2023		$139,820 (+30.04%) Land $22,870 Building $116,950	$139,820 Land $22,870 Building $116,950
2022	$2,166.00	$107,520 Land $22,870 Building $84,650
2021			$107,520 Land $22,870 Building $84,650

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

Flood

FEMA maps place 116 Bourland Ave in Zone X, an area of minimal flood risk, though there have been 14 flood claims nearby since 1979.

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	14 (1979–2018)
Claims Outside the SFHA	3 of 14
Most Recent Claim	Oct 2018 · rainfall accumulation

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

The area around 116 Bourland 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 399 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
GigFire Fixed Wireless	150 / 130

May also be available: AT&T, Nextlink, Verizon.

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