Black Hawk County property record for 127 Ruby Dr, Waterloo, IA 50702 · Last verified June 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1960 |
| Square Footage | 960 sqft Living Area |
| Lot Size | 14,880 sqft (0.342 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $115,750 (2009) |
| Tax Bill | $3,420.00 (2025) |
| Primary APN | 8812-07-152-004 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Partial Baths | 2 Partial Baths |
| Total Rooms | 5 Rooms |
| Building Area | 960 sqft Living Area |
| 1st Floor | 960 sqft 1st Floor |
| Basement Area | 960 sqft Basement |
| Finished Basement | 525 sqft Finished |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Exterior Material | Vinyl Exterior |
| Construction Type | Frame Construction |
| Roof Construction | Hip Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 14,880 sqft (0.342 acres) |
| Depth X Width | 160 ft x 93 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Detached Garage |
| Garage Area | 624 sqft Garage |
| Patio Area | 400 sqft Patio |
| Porch | 1 Porch |
| Porch Area | 72 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 127 RUBY DR |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50702-4638 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | CLOSSON SUBDIVISION LOT 4 |
| Legal Range | 12W |
| Legal Township | 88N |
| Legal Section | 07 |
| Legal Subdivision | CLOSSON SUBDIVISION |
| Legal Lot Number | 4 |
| Jurisdiction | BLACK HAWK IA |
| Minor Civil Division | WATERLOO |
| Census Blockgroup | 1 |
| Census Block | 1021 |
| Census Tract | 2901 |
Source: Black Hawk County records · APN 8812-07-152-004
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 | 127 RUBY DR, WATERLOO, IA 50702-4638 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Feb 23, 2018 | Deed of Trust, Mortgage · Line of Credit UNIVERSITY CREDIT UNION |
| Mar 14, 2023 | Deed of Trust, Mortgage · Line of Credit GREENSTATE CU |
| Feb 28, 2006 | Deed of Trust, Mortgage · Line of Credit IOWA COMMUNITY CU |
| Aug 28, 2007 | Deed of Trust, Mortgage · Line of Credit IOWA COMMUNITY CU |
| Oct 17, 2008 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage WESTSTAR MORTGAGE INC |
| Nov 21, 2005 | Legal Action/Court Order, Foreclosure · Conventional Mortgage COMUNITY LENDING INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 08, 2009 · Amount on Record |
| Deed Sale | Dec 08, 2009 · Amount on Record |
| Prior Sale | Nov 21, 2005 · Amount on Record |
| Deed Doc Number | 20092010011412 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 127 RUBY DR, WATERLOO, IA 50702-4638 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 201800013827 |
|---|---|
| Date | Feb 23, 2018 |
| Instrument | 201800013827 |
| Name | UNIVERSITY CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 127 RUBY DR, WATERLOO, IA 50702-4638 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 202300012509 |
|---|---|
| Date | Mar 14, 2023 |
| Instrument | 202300012509 |
| Name | GREENSTATE CU |
|---|---|
| Type | Credit Union |
| Address | NORTH LIBERTY, IA 52317 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 13, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 127 RUBY DR, WATERLOO, IA 50702-4638 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 2006020810 |
|---|---|
| Date | Feb 28, 2006 |
| Instrument | 2006020810 |
| Name | IOWA COMMUNITY CU |
|---|---|
| Address | WATERLOO, IA 50701 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 41 Months |
| Due | Jul 27, 2009 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 127 RUBY DR, WATERLOO, IA 50702-4638 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 2008004798 |
|---|---|
| Date | Aug 28, 2007 |
| Instrument | 2008004798 |
| Name | IOWA COMMUNITY CU |
|---|---|
| Address | WATERLOO, IA 50701 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Aug 27, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 127 RUBY DR, WATERLOO, IA 50702-4638 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 2009008038 |
|---|---|
| Date | Oct 17, 2008 |
| Instrument | 2009008038 |
| Name | WESTSTAR MORTGAGE INC |
|---|---|
| Type | Funding / Finance Company |
| Address | WOODBRIDGE, VA 22192 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2038 |
| Document Type | Legal Action/Court Order |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Nov 21, 2005 |
| Property Address | 127 RUBY DR, WATERLOO, IA 50702-4638 |
| Document Number | 2006013222 |
| Instrument Date | Nov 17, 2005 |
| Instrument | 2006013222 |
| Transaction Type | Foreclosure |
| Record Updated | Apr 03, 2026 |
| Title Company | BLACK HAWK COUNTY ABSTRACT, BLACK HAWK COUNTY ABSTRACT C |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $140.80 |
| Amount Accuracy | Rounded Values by County |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 127 RUBY DR, WATERLOO, IA 50702-4638 |
| Investor | Possibly a Property Investor |
| Document Number | 2006013223 |
|---|---|
| Date | Nov 21, 2005 |
| Instrument | 2006013223 |
| Name | COMUNITY LENDING INC |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 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 | $3,420.00 Homeowner's exemption | $170,100 (+1.33%) Land $24,180 Building $145,920 | $170,100 (+1.33%) Land $24,180 Building $145,920 |
| 2024 | $3,420.00 (+23.91%) | ||
| 2023 | $167,860 (+24.79%) Land $24,180 Building $143,680 | $167,860 (+24.79%) Land $24,180 Building $143,680 | |
| 2022 | $2,760.00 Homeowner's exemption | $134,510 Land $24,180 Building $110,330 | |
| 2021 | $134,510 Land $24,180 Building $110,330 |
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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures