117 Forest Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 117 Forest Ave, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 820 sqft · built 1958
Lot Size	0.118 acres (5,160 sqft)
Owner	2 Individual Names on File
Last Sale	$165,000 (Apr 2024)
Tax Bill	$2,198 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Apr 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-35-105-007`

Property Details

APN / Parcel Number

Primary APN	`8913-35-105-007`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	820 sqft Living Area
1st Floor Area	780 sqft
Basement Area	820 sqft
Finished Basement	425 sqft
Unfinished Basement	820 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,160 sqft (0.118 acres)
Lot Dimensions	129 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	60 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	117 FOREST AVE
City	WATERLOO
State	IA
Zip	50702-3624
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BROWN HALL ADDITION LOT 8 BLK 7
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	BROWN HALL ADDITION
Legal Block	7
Legal Lot Number	8
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1008
Census Tract	1100

Owner

117 Forest Ave is owned and occupied by two individuals who bought it in April 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	117 FOREST AVE, WATERLOO, IA 50702-3624
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 26, 2025	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 30, 2024	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 17, 2020	Warranty Deed, Transfer · Conventional Mortgage DENVER SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2024 · Amount on File
Deed Sale	Apr 30, 2024 · Amount on File
Prior Sale	Nov 17, 2021 · Amount on File
Deed Document Number	202413490
Prior Transfer Date	Mar 16, 2007
Prior Transfer Doc	2007019468
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	117 FOREST AVE, WATERLOO, IA 50702-3624
Transaction Type	Mortgage
Record Updated	Dec 4, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 FOREST AVE, WATERLOO, IA 50702-3624

Mortgage

Document Number	0202517464
Date	Nov 26, 2025
Instrument	2025-17464

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	585 SOUTH BLVD E, PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 30, 2024
Property Address	117 FOREST AVE, WATERLOO, IA 50702-3624
Document Number	0202413490
Instrument Date	Apr 29, 2024
Instrument	2024-13490
Transaction Type	Transfer
Record Updated	Oct 17, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$263.20
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	117 FOREST AVE, WATERLOO, IA 50702-3624

Mortgage

Document Number	0202413491
Date	Apr 30, 2024
Instrument	2024-13491

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 17, 2020
Property Address	117 FOREST AVE, WATERLOO, IA 50702-3624
Document Number	202100010660
Instrument Date	Nov 11, 2020
Instrument	202100010660
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	$167.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 FOREST AVE, WATERLOO, IA 50702-3624

Mortgage

Document Number	202100010661
Date	Nov 17, 2020
Instrument	202100010661

Lender

Name	DENVER SAVINGS BANK
Type	Bank

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 117 Forest Ave was $2,198 with a homeowner's exemption, up 1.3% 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	$2,198.00 (+1.29%) Homeowner's exemption	$118,600 Land $12,740 Building $105,860	$118,600 Land $12,740 Building $105,860
2024	$2,170.00
2023		$110,300 (+24.39%) Land $12,740 Building $97,560	$110,300 Land $12,740 Building $97,560
2022	$1,752.00 Homeowner's exemption	$88,670 Land $12,740 Building $75,930
2021			$88,670 Land $12,740 Building $75,930

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

Flood

FEMA maps place 117 Forest Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2010.

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 Claims	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2010 · Severe Storms, Flooding, And Tornadoes

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 117 Forest 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 541 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
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink, T-Mobile, Verizon.

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