1231 E Ridgeway Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 1231 E Ridgeway Ave, Waterloo, IA 50702 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	1.5 Baths
Year Built	Built 1963
Square Footage	1,044 sqft Living Area
Lot Size	6,336 sqft (0.145 acres)
Occupancy	Owner Occupied
Last Sale	$203,000 (2026)
Tax Bill	$3,024.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`8913-35-479-015`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Partial Baths	1 Partial Baths
Total Rooms	5 Rooms
Building Area	1,044 sqft Living Area
1st Floor	1,044 sqft 1st Floor
Basement Area	1,044 sqft Basement
Finished Basement	525 sqft Finished
Game Room	Game Room
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Plaster Interior Structure

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Exterior Material	Aluminum Siding Exterior
Construction Type	Frame Construction
Roof Construction	Hip Roof Construction
Roof Material	Asphalt Roof
Lot Area	6,336 sqft (0.145 acres)
Depth X Width	66 ft x 96 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Detached Garage
Garage Area	600 sqft Garage
Patio Area	232 sqft Patio
Porch	1 Porch
Porch Area	232 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	1231 E RIDGEWAY AVE
City	WATERLOO
State	IA
Zip	50702-3401
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	UNPLATTED WLOO WEST E 129.2 FT N 4 RDS S 6 RDS SE SE EXC STREET SEC 35 T 89 R 13
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	UNPLATTED WLOO WEST
Jurisdiction	BLACK HAWK IA
Minor Civil Division	WATERLOO
Census Blockgroup	2
Census Block	2007
Census Tract	1200

Owner

Source: Black Hawk County records · APN 8913-35-479-015

Assessment roll updated October 17, 2025 · Last verified July 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 File
Mailing Address	1231 E RIDGEWAY AVE, WATERLOO, IA 50702-3401
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 22, 2026 · Amount on Record
Deed Sale	Jun 22, 2026 · Amount on Record
Prior Sale	Jul 27, 2006 · Amount on Record
Deed Doc Number	20269240
Record Refreshed	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 22, 2026
Property Address	1231 E RIDGEWAY AVE, WATERLOO, IA 50702-3401
Document Number	0000009240
Instrument Date	Jun 12, 2026
Instrument	20269240
Transaction Type	Transfer
Record Updated	Jun 26, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$32,724.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1231 E RIDGEWAY AVE, WATERLOO, IA 50702-3401

Mortgage

Document Number	0000009241,
Date	Jun 22, 2026
Instrument	20269241

Lender

Name	FREE STATE CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	385 Months
Due	Jul 01, 2058

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified July 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,024.00 Homeowner's exemption	$161,170 (+7.74%) Land $22,510 Building $138,660	$161,170 (+7.74%) Land $22,510 Building $138,660
2024	$3,024.00 (+32.05%)
2023		$149,590 (+32.22%) Land $22,510 Building $127,080	$149,590 (+32.22%) Land $22,510 Building $127,080
2022	$2,290.00 Homeowner's exemption	$113,140 Land $22,510 Building $90,630
2021			$113,140 Land $22,510 Building $90,630

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

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.