122 Bruce Ln, Waterloo, IA 50701 Property Records

Black Hawk County property record for 122 Bruce Ln, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,100 sqft · built 1970
Lot Size	0.208 acres (9,050 sqft)
Owner	Individual Name on Record
Last Sale	$162,000 (Jul 2022)
Tax Bill	$3,758 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Jul 2021 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`8913-33-406-007`

Property Details

APN / Parcel Number

Primary APN	`8913-33-406-007`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,100 sqft Living Area
1st Floor Area	1,100 sqft
Basement Area	1,100 sqft
Unfinished Basement	1,100 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,050 sqft (0.208 acres)
Lot Dimensions	100 ft deep x 51 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	284 sqft
Patio Area	284 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	122 BRUCE LN
City	WATERLOO
State	IA
Zip	50701-4323
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MARTIN HEIGHTS FIRST ADDITION LOT 98
Legal Range	13W
Legal Township	89N
Legal Section	33
Legal Subdivision	MARTIN HEIGHTS FIRST ADDITION
Legal Lot Number	98
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1013
Census Tract	1501

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	122 BRUCE LN, WATERLOO, IA 50701-4323
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2021	Deed of Trust, Mortgage · Second Mortgage (Down Payment) GREENSTATE CU
Jul 20, 2021	Legal Action/Court Order, Foreclosure · Conventional Mortgage GREENSTATE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 19, 2022 · Amount on Record
Deed Sale	Jul 19, 2022 · Amount on Record
Prior Sale	Jul 20, 2021 · Amount on Record
Deed Document Number	20221425
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	122 BRUCE LN, WATERLOO, IA 50701-4323
Transaction Type	Mortgage
Record Updated	Jul 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200001427
Date	Jul 20, 2021
Instrument	202200001427

Lender

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

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	121 Months
Due	Aug 5, 2031

July 2021: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	BLACK HAWK IA
Recording Date	Jul 20, 2021
Property Address	122 BRUCE LN, WATERLOO, IA 50701-4323
Document Number	202200001425
Instrument Date	Jul 2, 2021
Instrument	202200001425
Transaction Type	Foreclosure
Record Updated	Oct 14, 2024

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$258.40
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	122 BRUCE LN, WATERLOO, IA 50701-4323

Mortgage

Document Number	202200001426
Date	Jul 20, 2021
Instrument	202200001426

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 5, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Aug 5, 2031
Change Frequency	Annually
Min Rate At Change	4.87%
Max Rate At Change	8.87%
Index	1-Year CMT
Max Rate	8.87%

Mortgage

Document Number	202200001427
Date	Jul 20, 2021
Instrument	202200001427

Lender

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

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	121 Months
Due	Aug 5, 2031

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	$3,758.00 (+5.68%)	$184,100 (+18.36%) Land $24,240 Building $159,860	$184,100 (+18.36%) Land $24,240 Building $159,860
2024	$3,556.00 (+17.51%)
2023		$155,540 (+12.91%) Land $24,240 Building $131,300	$155,540 (+12.91%) Land $24,240 Building $131,300
2022	$3,026.00 Homeowner's exemption	$137,760 Land $24,240 Building $113,520
2021			$137,760 Land $24,240 Building $113,520

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	15 (1979–2020)
Most Recent Claim	Jul 2020 · rainfall accumulation
Claims by Event	Severe Storms, Flooding, And Tornadoes, Jul 2010 · 3 claims Severe Storms & Flooding, Jul 1993 · 4 claims

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	Low lower than 99.8% of the US · lower than 98.1% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 180 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	1,000 / 50
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130

May also be available: Nextlink.

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