120 Frederic Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 120 Frederic Ave, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,393 sqft · built 1930
Lot Size	0.13 acres (5,658 sqft)
Owner	2 Individual Names on Record
Last Sale	$145,000 (May 2020)
Tax Bill	$3,372 (2025)
Deeds & Mortgages	Nov 2017 Line of Credit Sep 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-34-276-002`

Property Details

APN / Parcel Number

Primary APN	`8913-34-276-002`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,393 sqft Living Area
1st Floor Area	932 sqft
Attic	Attic
Attic Area	419 sqft
Basement Area	932 sqft
Finished Basement	200 sqft
Unfinished Basement	932 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,658 sqft (0.13 acres)
Lot Dimensions	92 ft deep x 42 ft wide
Garage Type	Detached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces
Deck Area	260 sqft
Patio Area	260 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	120 FREDERIC AVE
City	WATERLOO
State	IA
Zip	50701-4108
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PROSPECT PLACE LOT 164 ELY 1/2 ALLEY ADJ LOT 164 ON W
Legal Range	13W
Legal Township	89N
Legal Section	34
Legal Subdivision	PROSPECT PLACE
Legal Lot Number	164
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	4
Census Block	4011
Census Tract	1400

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	2 Individual Names on Record
Mailing Address	120 FREDERIC AVE, WATERLOO, IA 50701-4108
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 28, 2017	Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF IOWA COMMUNITY CU
Sep 3, 2021	Intrafamily Transfer, Transfer
May 12, 2020	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2020 · Amount on Record
Deed Sale	May 12, 2020 · Amount on Record
Prior Sale	Oct 22, 2012 · Amount on Record
Deed Document Number	202019694
Last Transfer Date	Aug 31, 2021
Transfer Doc	0000005127
Record Updated	Oct 29, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	120 FREDERIC AVE, WATERLOO, IA 50701-4108
Transaction Type	Mortgage
Record Updated	Sep 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800009253
Date	Nov 28, 2017
Instrument	2018-00009253

Lender

Name	UNIVERSITY OF IOWA COMMUNITY CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 3, 2021
Property Address	120 FREDERIC AVE, WATERLOO, IA 50701-4108
Document Number	202200005127
Instrument Date	Aug 31, 2021
Instrument	202200005127
Transaction Type	Transfer
Record Updated	Nov 17, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	120 FREDERIC AVE, WATERLOO, IA 50701-4108

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 12, 2020
Property Address	120 FREDERIC AVE, WATERLOO, IA 50701-4108
Document Number	202000019694
Instrument Date	Apr 24, 2020
Instrument	202000019694
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	BLACK HAWK COUNTY ABSTRACT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$231.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 FREDERIC AVE, WATERLOO, IA 50701-4108

Mortgage

Document Number	202000019695
Date	May 12, 2020
Instrument	202000019695

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 5, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	May 1, 2030
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	5.87%
Index	1-Year CMT
Max Rate	9.87%

Mortgage

Document Number	202000019696
Date	May 12, 2020
Instrument	202000019696

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	May 5, 2030

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	$3,372.00 (+21.12%) Homeowner's exemption	$176,130 (+27.09%) Land $18,480 Building $157,650	$176,130 (+27.09%) Land $18,480 Building $157,650
2024	$2,784.00 (+12.62%)
2023		$138,590 (+14.13%) Land $17,560 Building $121,030	$138,590 (+14.13%) Land $17,560 Building $121,030
2022	$2,472.00 Homeowner's exemption	$121,430 Land $17,560 Building $103,870
2021			$121,430 Land $17,560 Building $103,870

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

Flood

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 Policies	1 in force

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

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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