Black Hawk County property record for 124 Ruby Dr, Waterloo, IA 50702 · Last verified June 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1958 |
| Square Footage | 1,104 sqft Living Area |
| Lot Size | 14,400 sqft (0.331 acres) |
| Garage | Attached, 280 sqft |
| Occupancy | Owner Occupied |
| Tax Bill | $3,474.00 (2025) |
| Primary APN | 8812-07-153-028 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Partial Baths | 2 Partial Baths |
| Total Rooms | 5 Rooms |
| Building Area | 1,104 sqft Living Area |
| 1st Floor | 1,104 sqft 1st Floor |
| Basement Area | 1,104 sqft Basement |
| Unfinished Basement | 1,104 sqft Unfinished |
| Game Room | Game Room |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Plaster Interior Structure |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Exterior Material | Vinyl Exterior |
| Construction Type | Frame Construction |
| Roof Construction | Gable Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 14,400 sqft (0.331 acres) |
| Depth X Width | 160 ft x 90 ft Depth x Width |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 280 sqft Garage |
| Porch Area | 48 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 124 RUBY DR |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50702-4639 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | CLOSSON SUBDIVISION LOT 14 |
| Legal Range | 12W |
| Legal Township | 88N |
| Legal Section | 07 |
| Legal Subdivision | CLOSSON SUBDIVISION |
| Legal Lot Number | 14 |
| Jurisdiction | BLACK HAWK IA |
| Minor Civil Division | WATERLOO |
| Census Blockgroup | 1 |
| Census Block | 1030 |
| Census Tract | 2901 |
Source: Black Hawk County records · APN 8812-07-153-028
Assessment roll updated October 17, 2025 · Last verified June 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 | 124 RUBY DR, WATERLOO, IA 50702-4639 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 05, 2019 | Deed of Trust, Mortgage · Stand Alone Refinance VERIDIAN CREDIT UNION |
| Nov 02, 2009 | Deed of Trust, Mortgage VERIDIAN CU |
| Oct 31, 2025 | Warranty Deed, Transfer · Veterans Administration Mortgage VERIDIAN CU |
| Jul 18, 2023 | Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU |
| Jun 28, 2005 | Legal Action/Court Order, Foreclosure · Conventional Mortgage COMMUNITY NATIONAL BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 31, 2025 |
| Deed Sale | Oct 31, 2025 |
| Prior Sale | May 01, 2007 · Amount on Record |
| Deed Doc Number | 202516067 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 124 RUBY DR, WATERLOO, IA 50702-4639 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 201900018324 |
|---|---|
| Date | Jun 05, 2019 |
| Instrument | 201900018324 |
| Name | VERIDIAN CREDIT UNION |
|---|
| Type | Stand Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 124 RUBY DR, WATERLOO, IA 50702-4639 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 2010008975 |
|---|---|
| Date | Nov 02, 2009 |
| Instrument | 2010008975 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | WATERLOO, IA 50701 |
| Amount | Amount Recorded |
|---|---|
| Term | 361 Months |
| Due | Dec 01, 2039 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Oct 31, 2025 |
| Property Address | 124 RUBY DR, WATERLOO, IA 50702-4639 |
| Document Number | 0202516067 |
| Instrument Date | Oct 27, 2025 |
| Instrument | 2025-16067 |
| Transaction Type | Transfer |
| Record Updated | Apr 03, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $284.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 124 RUBY DR, WATERLOO, IA 50702-4639 |
| Investor | Possibly a Property Investor |
| Document Number | 0202516068 |
|---|---|
| Date | Oct 31, 2025 |
| Instrument | 2025-16068 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Jul 18, 2023 |
| Property Address | 124 RUBY DR, WATERLOO, IA 50702-4639 |
| Document Number | 202400000758 |
| Instrument Date | Jul 17, 2023 |
| Instrument | 202400000758 |
| Transaction Type | Transfer |
| Record Updated | Nov 17, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 124 RUBY DR, WATERLOO, IA 50702-4639 |
| Document Number | 202400000759 |
|---|---|
| Date | Jul 18, 2023 |
| Instrument | 202400000759 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2053 |
| Document Type | Legal Action/Court Order |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Jun 28, 2005 |
| Property Address | 124 RUBY DR, WATERLOO, IA 50702-4639 |
| Document Number | 2005030366 |
| Instrument Date | Jun 24, 2005 |
| Instrument | 2005030366 |
| Transaction Type | Foreclosure |
| Record Updated | Apr 03, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $183.20 |
| Amount Accuracy | Rounded Values by County |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 124 RUBY DR, WATERLOO, IA 50702-4639 |
| Document Number | 2005030367 |
|---|---|
| Date | Jun 28, 2005 |
| Instrument | 2005030367 |
| Name | COMMUNITY NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2035 |
Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified June 2026
| 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 | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,474.00 | $161,960 (+1.1%) Land $23,400 Building $138,560 | $161,960 (+1.1%) Land $23,400 Building $138,560 |
| 2024 | $3,474.00 (+21.47%) | ||
| 2023 | $160,190 (+23.04%) Land $23,400 Building $136,790 | $160,190 (+23.04%) Land $23,400 Building $136,790 | |
| 2022 | $2,860.00 Homeowner's exemption | $130,190 Land $23,400 Building $106,790 | |
| 2021 | $130,190 Land $23,400 Building $106,790 |
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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