1206 Forest Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 1206 Forest Ave, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,529 sqft · built 1913
Lot Size	0.146 acres (6,350 sqft)
Owner	Individual Name on Record
Last Sale	$144,875 (Aug 2024)
Tax Bill	$2,462 (2025)
Deeds & Mortgages	May 2018 Mortgage Jul 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8913-35-233-002`

Property Details

APN / Parcel Number

Primary APN	`8913-35-233-002`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,529 sqft Living Area
1st Floor Area	935 sqft
Attic	Attic
Attic Area	514 sqft
Basement Area	935 sqft
Finished Basement	500 sqft
Unfinished Basement	935 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1913
Effective Year Built	Effective 1913
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	6,350 sqft (0.146 acres)
Lot Dimensions	127 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	40 sqft
Patio Area	312 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1206 FOREST AVE
City	WATERLOO
State	IA
Zip	50702-3137
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAPLE LEAF ADDITION LOT 5 BLK 2
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	MAPLE LEAF ADDITION
Legal Block	2
Legal Lot Number	5
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2013
Census Tract	1100

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	1206 FOREST AVE, WATERLOO, IA 50702-3137
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 1, 2018	Deed of Trust, Mortgage COLLINS COMMUNITY CREDIT UNION
Jul 21, 2023	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Aug 4, 2023	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Jul 3, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 4, 2024 · Amount on Record
Deed Sale	Aug 4, 2024 · Amount on Record
Prior Sale	Aug 4, 2023 · Amount on Record
Deed Document Number	20241674
Prior Transfer Date	Jun 30, 2017
Prior Transfer Doc	201800000051
Record Updated	Oct 29, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1206 FOREST AVE, WATERLOO, IA 50702-3137
Transaction Type	Mortgage
Record Updated	Oct 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800017731
Date	May 1, 2018
Instrument	201800017731

Lender

Name	COLLINS COMMUNITY CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	116 Months
Due	Jan 1, 2028

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1206 FOREST AVE, WATERLOO, IA 50702-3137
Transaction Type	Mortgage
Record Updated	Aug 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1206 FOREST AVE, WATERLOO, IA 50702-3137

Mortgage

Document Number	202400000956
Date	Jul 21, 2023
Instrument	202400000956

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jul 20, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Aug 4, 2023
Property Address	1206 FOREST AVE, WATERLOO, IA 50702-3137
Document Number	202400001674
Instrument Date	Jul 27, 2023
Instrument	202400001674
Transaction Type	Transfer
Record Updated	Aug 22, 2023
Title Company	TITLE SERVICES

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
Address	PO BOX 178, WATERLOO, IA 50704-0178

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1206 FOREST AVE, WASHBURN, IA 50702-3137

Mortgage

Document Number	202400001675
Date	Aug 4, 2023
Instrument	202400001675

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.87%
Type Change Date	Sep 1, 2033
Change Frequency	Annually
Min Rate At Change	4.87%
Max Rate At Change	8.87%
Index	1-Year T-Bill
Max Rate	12.8%

Mortgage

Document Number	202400001676
Date	Aug 4, 2023
Instrument	202400001676

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Sep 1, 2033

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jul 3, 2017
Property Address	1206 FOREST AVE, WATERLOO, IA 50702-3137
Document Number	201800000051
Instrument Date	Jun 30, 2017
Instrument	2018-00000051
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1206 FOREST AVE, WATERLOO, IA 50702-3137

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	$2,462.00 (+2.24%) Homeowner's exemption	$131,490 (+8.43%) Land $15,760 Building $115,730	$131,490 (+8.43%) Land $15,760 Building $115,730
2024	$2,408.00 (+24%)
2023		$121,270 (+24.6%) Land $15,760 Building $105,510	$121,270 (+24.6%) Land $15,760 Building $105,510
2022	$1,942.00 Homeowner's exemption	$97,330 Land $15,760 Building $81,570
2021			$97,330 Land $15,760 Building $81,570

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
Nearby Flood Claims	5 (1979–2013)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Mar 2013 · tidal / storm surge

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 740 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
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink.

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