117 Moir St, Waterloo, IA 50701 Property Records

Black Hawk County property record for 117 Moir St, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 792 sqft · built 1960
Lot Size	0.138 acres (6,000 sqft)
Owner	Individual Name on File
Last Sale	$83,000 (Nov 2017)
Tax Bill	$2,234 (2025)
Deeds & Mortgages	Dec 2017 Mortgage Nov 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-27-428-002`

Property Details

APN / Parcel Number

Primary APN	`8913-27-428-002`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	792 sqft Living Area
1st Floor Area	792 sqft
Basement Area	792 sqft
Finished Basement	700 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,000 sqft (0.138 acres)
Lot Dimensions	120 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	396 sqft
Patio Area	260 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	117 MOIR ST
City	WATERLOO
State	IA
Zip	50701-2814
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PROSPECT HEIGHTS ADDITION S 20 FT LOT 2 BLK 1 N 30 FT LOT 3 BLK 1
Legal Range	13W
Legal Township	89N
Legal Section	27
Legal Subdivision	PROSPECT HEIGHTS ADDITION
Legal Block	1
Legal Lot Number	2,3
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	3
Census Block	3001
Census Tract	1400

Owner

117 Moir St is owned and occupied by an individual who bought it in November 2017.

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

Owner of Record	Individual Name on File
Mailing Address	117 MOIR ST, WATERLOO, IA 50701-2814
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
Dec 12, 2017	Deed of Trust, Mortgage VERIDIAN CU
Nov 28, 2017	Warranty Deed, Transfer · ARM VERIDIAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 28, 2017 · Amount on File
Deed Sale	Nov 28, 2017 · Amount on File
Deed Document Number	20172018-00009259
Record Updated	Oct 29, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	117 MOIR ST, WATERLOO, IA 50701-2814
Transaction Type	Mortgage
Record Updated	Dec 28, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 2018-00010068
Date	Dec 12, 2017
Instrument	2018-00010068

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Amount	Amount on Record
Term	120 Months
Due	Dec 10, 2027

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 28, 2017
Property Address	117 MOIR ST, WATERLOO, IA 50701-2814
Document Number	201800009259
Instrument Date	Nov 28, 2017
Instrument	2018-00009259
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$132.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 MOIR ST, WATERLOO, IA 50701-2814

Mortgage

Document Number	201800009260
Date	Nov 28, 2017
Instrument	2018-00009260

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2027
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.87%
Index	1-Year LIBOR
Max Rate	9.87%

Tax Assessment & Valuation

The 2025 property tax bill for 117 Moir St was $2,234 with a homeowner's exemption, up 5.5% 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	$2,234.00 (+5.48%) Homeowner's exemption	$120,330 Land $14,250 Building $106,080	$120,330 Land $14,250 Building $106,080
2024	$2,118.00
2023		$107,900 (+11.96%) Land $14,250 Building $93,650	$107,900 Land $14,250 Building $93,650
2022	$1,922.00 Homeowner's exemption	$96,370 Land $14,250 Building $82,120
2021			$96,370 Land $14,250 Building $82,120

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

Flood

FEMA maps place 117 Moir St 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

Wildfire risk around 117 Moir St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 76% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 416 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, T-Mobile, Verizon.

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