119 Locust St, Waterloo, IA 50701 Property Records

Black Hawk County property record for 119 Locust St, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,376 sqft · built 1912
Lot Size	0.068 acres (2,968 sqft)
Owner	Individual Name on Record
Last Sale	$103,000 (May 2025)
Tax Bill	$2,374 (2025)
Deeds & Mortgages	Jan 2019 Refinance May 2025 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8913-26-181-012`

Property Details

APN / Parcel Number

Primary APN	`8913-26-181-012`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,376 sqft Living Area
1st Floor Area	624 sqft
Basement Area	624 sqft
Unfinished Basement	624 sqft
Flooring	Carpet
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1912
Effective Year Built	Effective 1912
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	2,968 sqft (0.068 acres)
Lot Dimensions	53 ft deep x 56 ft wide
Porch	Slab
Porch Area	188 sqft
Patio Area	332 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	119 LOCUST ST
City	WATERLOO
State	IA
Zip	50701-2643
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHITNEYS SUBDIVISION NW 55 1/2 FT LOT 6 BLK 14
Legal Range	13W
Legal Township	89N
Legal Section	26
Legal Subdivision	WHITNEYS SUBDIVISION
Legal Block	14
Legal Lot Number	6
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1014
Census Tract	300

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	119 LOCUST ST, WATERLOO, IA 50701-2643
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance LEDERMAN BONDING CO
May 14, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VERIDIAN CU
May 14, 2025	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Jul 29, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 14, 2025 · Amount on Record
Deed Sale	May 14, 2025 · Amount on Record
Prior Sale	Jul 29, 2023 · Amount on Record
Deed Document Number	20256555
Record Updated	Oct 29, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	119 LOCUST ST, WATERLOO, IA 50701-2643
Transaction Type	Mortgage
Record Updated	Oct 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900011592
Date	Jan 29, 2019
Instrument	201900011592

Lender

Name	LEDERMAN BONDING CO

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	119 LOCUST ST, WATERLOO, IA 50701-2643
Transaction Type	Mortgage
Record Updated	Oct 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202506557
Date	May 14, 2025
Instrument	2025-06557

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	1827 ANSBOROUGH AVE, WATERLOO, IA 50701

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jun 1, 2035

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 14, 2025
Property Address	119 LOCUST ST, WATERLOO, IA 50701-2643
Document Number	0202506555
Instrument Date	May 13, 2025
Instrument	2025-06555
Transaction Type	Transfer
Record Updated	Oct 21, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$164.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	119 LOCUST ST, WATERLOO, IA 50701-2643

Mortgage

Document Number	0202506556
Date	May 14, 2025
Instrument	2025-06556

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2035
Change Frequency	Annually
Min Rate At Change	4.37%
Max Rate At Change	8.37%
Index	1-Year CMT
Max Rate	12.3%

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jul 29, 2022
Property Address	119 LOCUST ST, WATERLOO, IA 50701-2643
Document Number	202300001677
Instrument Date	Jul 28, 2022
Instrument	202300001677
Transaction Type	Transfer
Record Updated	Aug 12, 2022

Transaction

Amount	Amount Recorded
Tax	$63.20
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13575 LYNAM DR, OMAHA, NE 68138-4408
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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	$2,374.00 (+199.75%)	$116,280 (+241.5%) Land $4,790 Building $111,490	$116,280 (+241.5%) Land $4,790 Building $111,490
2024	$792.00 (-2%)
2023		$34,050 (-14.68%) Land $4,790 Building $29,260	$34,050 (-14.68%) Land $4,790 Building $29,260
2022	$990.00	$39,910 Land $4,790 Building $35,120
2021			$39,910 Land $4,790 Building $35,120

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

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 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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