1265 Scott Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 1265 Scott Ave, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 912 sqft · built 1956
Lot Size	0.185 acres (8,040 sqft)
Owner	Individual Name on File
Last Sale	$162,500 (Aug 2023)
Tax Bill	$3,624 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-28-129-029`

Property Details

APN / Parcel Number

Primary APN	`8913-28-129-029`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	912 sqft Living Area
1st Floor Area	912 sqft
Basement Area	912 sqft
Finished Basement	500 sqft
Unfinished Basement	912 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	8,040 sqft (0.185 acres)
Lot Dimensions	134 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	728 sqft
Parking Spaces	3 Parking Spaces
Deck Area	Deck Area
Patio Area	16 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1265 SCOTT AVE
City	WATERLOO
State	IA
Zip	50701-3252
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ALABAR HILLS LOT 27 BLK 10
Legal Range	13W
Legal Township	89N
Legal Section	28
Legal Subdivision	ALABAR HILLS
Legal Block	10
Legal Lot Number	27
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2024
Census Tract	1502

Owner

1265 Scott Ave is owned and occupied by an individual who bought it in August 2023.

Source: Black Hawk County records, as of September 1, 2026

Owner of Record	Individual Name on File
Mailing Address	1265 SCOTT AVE, WATERLOO, IA 50701-3252
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 29, 2022	Warranty Deed, Transfer · Conventional Mortgage DEERE EMPLOYEES CU
May 20, 2020	Warranty Deed, Transfer · Commercial Mortgage FIRST NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 29, 2023 · Amount on File
Deed Sale	Aug 29, 2023 · Amount on File
Prior Sale	Aug 29, 2022 · Amount on File
Deed Document Number	20233616
Prior Transfer Date	May 19, 2020
Prior Transfer Doc	2100002255
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Aug 29, 2022
Property Address	1265 SCOTT AVE, WATERLOO, IA 50701-3252
Document Number	202300003616
Instrument Date	Aug 26, 2022
Instrument	202300003616
Transaction Type	Transfer
Record Updated	Sep 13, 2022
Title Company	BLACK HAWK CNTY ABSTRACT CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$259.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1265 SCOTT AVE, WATERLOO, IA 50701-3252

Mortgage

Document Number	202300003617
Date	Aug 29, 2022
Instrument	202300003617

Lender

Name	DEERE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.99%
Type Change Date	Sep 1, 2029
Change Frequency	Annually
Min Rate At Change	3.99%
Max Rate At Change	5.99%
Index	1-Year CMT
Max Rate	8.99%

Mortgage

Document Number	202300003618
Date	Aug 29, 2022
Instrument	202300003618

Lender

Name	DEERE EMPLOYEES CU
Type	Credit Union
Address	MOLINE, IL 61265

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Sep 1, 2032

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 20, 2020
Property Address	1265 SCOTT AVE, WATERLOO, IA 50701-3252
Document Number	202000020361
Instrument Date	May 20, 2020
Instrument	202000020361
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$230.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1265 SCOTT AVE, WATERLOO, IA 50701-3252

Mortgage

Document Number	202000020362
Date	May 20, 2020
Instrument	202000020362

Lender

Name	FIRST NATIONAL BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

Interest

Rate Type	Adjustable Rate

Mortgage

Document Number	202000020365
Date	May 20, 2020
Instrument	202000020365

Lender

Name	FIRST NATIONAL BANK
Type	Bank
Address	WAVERLY, IA 50677

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	120 Months
Due	May 15, 2030

Tax Assessment & Valuation

The 2025 property tax bill for 1265 Scott Ave was $3,624, up 4.1% from the year before.

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	$3,624.00 (+4.14%)	$177,610 Land $16,340 Building $161,270	$177,610 Land $16,340 Building $161,270
2024	$3,480.00
2023		$160,440 (+26.56%) Land $16,340 Building $144,100	$160,440 Land $16,340 Building $144,100
2022	$2,590.00 Homeowner's exemption	$126,770 Land $16,340 Building $110,430
2021			$126,770 Land $16,340 Building $110,430

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

Flood

FEMA maps place 1265 Scott Ave in Zone X, an area of minimal flood risk, though there have been 19 flood claims nearby since 1978.

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	7 in force
Nearby Flood Claims	19 (1978–2013)
Claims Outside the SFHA	5 of 19
Most Recent Claim	May 2013 · rainfall accumulation
Claims by Event	Severe Storms, Flooding, And Tornadoes, Jul 2010 · 3 claims Severe Storms, Tornadoes, And Flooding, Jun 2008 · 2 claims Severe Storms & Flooding, Jul 1993 · 2 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

The area around 1265 Scott Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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 452 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable	1,000 / 50
GigFire Fixed Wireless	150 / 130
CenturyLink DSL	140 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink, T-Mobile, Verizon.

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