Black Hawk County property record for 1190 E Ridgeway Ave, Waterloo, IA 50702 · Last verified October 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1964 |
| Square Footage | 994 sqft Living Area |
| Lot Size | 12,000 sqft (0.275 acres) |
| Garage | Attached, 878 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $160,000 (2016) |
| Primary APN | 8813-03-226-013 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Building Area | 994 sqft Living Area |
| Basement Area | 994 sqft Basement |
| Finished Basement | 725 sqft Finished |
| Stories | 1 Stories |
| Primary Flooring | Combination, Other Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 2 Fireplaces |
| Year Built | Built 1964 |
|---|---|
| Architectural Style | Split Foyer Style |
| Exterior Material | Vinyl Exterior |
| Construction Type | Frame Construction |
| Foundation Type | Block Foundation |
| Roof Construction | Gable Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 12,000 sqft (0.275 acres) |
| Depth X Width | 150 ft x 80 ft Depth x Width |
| Parking Spaces | 3 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 878 sqft Garage |
| Deck Area | 176 sqft Deck |
| Patio Area | 420 sqft Patio |
| Cooling System | Central Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 1190 E RIDGEWAY AVE |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50702-4026 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LINDNER HEIGHTS ADDITION LOT 13 |
| Legal Range | 13 |
| Legal Township | 88 |
| Legal Section | 03 |
| Legal Subdivision | LINDNER HEIGHTS ADDITION |
| Legal Lot Number | 13 |
| Jurisdiction | BLACK HAWK IA |
| Minor Civil Division | WATERLOO |
| Census Blockgroup | 1 |
| Census Block | 1004 |
| Census Tract | 1301 |
Source: Black Hawk County records · APN 8813-03-226-013
Assessment roll updated May 1, 2025 · Last verified October 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1190 E RIDGEWAY AVE, WATERLOO, IA 50702-4026 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Mar 27, 2023 | Deed of Trust, Mortgage · Veterans Administration Mortgage VILLAGE CAPITAL & INVESTMENT LLC |
| Jun 26, 2017 | Deed of Trust, Mortgage · Veterans Administration Mortgage UNITED MILITARY MORTGAGE LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 02, 2016 · Amount on Record |
| Deed Sale | Nov 02, 2016 · Amount on Record |
| Prior Sale | Jun 19, 2007 · Amount on Record |
| Deed Doc Number | 2017-00008530 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 1190 E RIDGEWAY AVE, WATERLOO, IA 50702-4026 |
| Transaction Type | Mortgage |
| Record Updated | Apr 07, 2023 |
| Name | Verified Name |
|---|
| Document Number | 202300012960 |
|---|---|
| Date | Mar 27, 2023 |
| Instrument | 202300012960 |
| Name | VILLAGE CAPITAL & INVESTMENT LLC |
|---|---|
| Type | Mortgage Company |
| Address | HENDERSON, NV 89074 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 1190 E RIDGEWAY AVE, WATERLOO, IA 50702-4026 |
| Transaction Type | Mortgage |
| Record Updated | Aug 09, 2022 |
| Name | Verified Name |
|---|
| Document Number | 201700022790 |
|---|---|
| Date | Jun 26, 2017 |
| Instrument | 2017-00022790 |
| Name | UNITED MILITARY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | LINDON, UT 84042 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.25% |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Type Change Date | Oct 01, 2020 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 3.25% |
| Index | 1-Year CMT |
| Max Rate | 7.25% |
Source: Black Hawk County records · Assessment roll updated May 1, 2025 · Last verified October 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2025 | $224,190 (+7.15%) Land $28,560 Building $195,630 | $224,190 (+7.15%) Land $28,560 Building $195,630 |
| 2023 | $209,230 Land $28,560 Building $180,670 | $209,230 Land $28,560 Building $180,670 |
Source: FEMA National Flood Hazard Layer, Black Hawk County (19013C), updated September 27, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| 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; lenders make the official flood determination.
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