116 W Orange Rd, Waterloo, IA 50701 Property Records

Black Hawk County property record for 116 W Orange Rd, Waterloo, IA 50701 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,296 sqft · built 1961
Lot Size	0.524 acres (22,816 sqft)
Owner	2 Individual Names on File
Last Sale	$360,000 (Oct 2024)
Tax Bill	$6,334 (2025)
Deeds & Mortgages	Oct 2024 Sale & Mortgage Nov 2018 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`8813-16-478-012`

Property Details

APN / Parcel Number

Primary APN	`8813-16-478-012`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,296 sqft Living Area
1st Floor Area	1,296 sqft
Basement Area	1,296 sqft
Finished Basement	900 sqft
Unfinished Basement	1,296 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	22,816 sqft (0.524 acres)
Lot Dimensions	184 ft deep x 124 ft wide
Garage Type	Mixed
Garage Area	1,456 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	36 sqft
Deck Area	390 sqft
Patio Area	413 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	116 W ORANGE RD
City	WATERLOO
State	IA
Zip	50701-9254
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LICHTY ORANGE ADDITION LOT 3
Legal Range	13W
Legal Township	88N
Legal Section	16
Legal Subdivision	LICHTY ORANGE ADDITION
Legal Lot Number	3
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1047
Census Tract	3001

Owner

Source: Black Hawk County records · APN 8813-16-478-012

Assessment roll updated October 17, 2025 · Last verified June 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 File
Mailing Address	116 W ORANGE RD, WATERLOO, IA 50701-9254
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 08, 2024	Warranty Deed, Transfer · Commercial Mortgage BANKIOWA
Nov 27, 2018	Deed of Trust, Mortgage UNIVERSITY OF IOWA CREDIT UNION
May 16, 2023	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Oct 03, 2022	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Sep 02, 2022	Deed of Trust, Mortgage · Line of Credit GREENSTATE CU
Nov 05, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance GREENSTATE CREDIT UNION

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 08, 2024 · Amount on Record
Deed Sale	Oct 08, 2024 · Amount on Record
Prior Sale	Oct 03, 2023 · Amount on Record
Deed Document Number	202421507
Record Updated	Sep 20, 2026

October 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 08, 2024
Property Address	116 W ORANGE RD, WATERLOO, IA 50701-9254
Document Number	0202421507
Instrument Date	Sep 30, 2024
Instrument	2024-21507
Transaction Type	Transfer
Record Updated	Oct 17, 2025

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$575.20
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 W ORANGE RD, WATERLOO, IA 50701-9254
Investor	Possibly a Property Investor

Mortgage

Document Number	0202421508
Date	Oct 08, 2024
Instrument	2024-21508

Lender

Name	BANKIOWA
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 01, 2054

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	116 W ORANGE RD, WATERLOO, IA 50701-9254
Transaction Type	Mortgage
Record Updated	Oct 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900008286
Date	Nov 27, 2018
Instrument	201900008286

Lender

Name	UNIVERSITY OF IOWA CREDIT UNION

Agreement

Amount	Amount Recorded
Term	350 Months
Due	Jan 01, 2048

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	116 W ORANGE RD, WATERLOO, IA 50701-9254
Transaction Type	Mortgage
Record Updated	Jun 02, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	116 W ORANGE RD, WATERLOO, IA 50701-9254

Mortgage

Document Number	202300015332
Date	May 16, 2023
Instrument	202300015332

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 03, 2022
Property Address	116 W ORANGE RD, WATERLOO, IA 50701-9254
Document Number	202300005570
Instrument Date	Sep 30, 2022
Instrument	202300005570
Transaction Type	Transfer
Record Updated	Oct 18, 2022
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$538.40
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 W ORANGE RD, WATERLOO, IA 50701-9254

Mortgage

Document Number	202300005571
Date	Oct 03, 2022
Instrument	202300005571

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 01, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	Oct 11, 2032
Change Frequency	Annually
Min Rate At Change	2.87%
Max Rate At Change	6.87%
Index	1-Year CMT
Max Rate	10.8%

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	116 W ORANGE RD, WATERLOO, IA 50701-9254
Transaction Type	Mortgage
Record Updated	Sep 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202300003866
Date	Sep 02, 2022
Instrument	202300003866

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Sep 01, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	116 W ORANGE RD, WATERLOO, IA 50701-9254
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000008350
Date	Nov 05, 2019
Instrument	202000008350

Lender

Name	GREENSTATE CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2049

Tax Assessment & Valuation

Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified June 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,334.00 Homeowner's exemption	$339,470 (+12.32%) Land $36,830 Building $302,640	$339,470 (+12.32%) Land $36,830 Building $302,640
2024	$6,334.00 (+32.9%)
2023		$302,230 (+33.78%) Land $36,830 Building $265,400	$302,230 (+33.78%) Land $36,830 Building $265,400
2022	$4,766.00 Homeowner's exemption	$225,920 Land $36,830 Building $189,090
2021			$225,920 Land $36,830 Building $189,090

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Black Hawk County (19013C), updated September 27, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 190130030011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 21 individual NFIP policies nearby
Nearby Flood Policies	37 units insured 16 under condo master policies
Nearby Flood Claims	2 (1985–2020)
Most Recent Claim	Jun 2020, rainfall accumulation

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 27 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Waterloo Telecommunications Utility	Fiber	10,000 / 10,000
Metronet Holdings	Fiber	5,120 / 5,120
Mediacom Communications	Cable	1,000 / 50
LTD Broadband	Fixed Wireless (licensed-by-rule)	150 / 130

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

116 W Orange Rd, Waterloo, IA 50701 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Exterior Amenities

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

October 2024: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

November 2018: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

May 2023: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

October 2022: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

September 2022: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

November 2019: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Internet Providers

Nearby Properties on W Orange Rd

Nearby Streets

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