1272 Sheldon St, Waterloo, IA 50701 Property Records

Black Hawk County property record for 1272 Sheldon St, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1955
Lot Size	0.187 acres (8,160 sqft)
Owner	Individual Name on Record
Last Sale	$113,000 (Sep 2021)
Tax Bill	$2,478 (2025)
Deeds & Mortgages	Oct 2024 Line of Credit Sep 2020 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8913-28-130-014`

Property Details

APN / Parcel Number

Primary APN	`8913-28-130-014`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	960 sqft
Basement Area	960 sqft
Unfinished Basement	960 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	8,160 sqft (0.187 acres)
Lot Dimensions	136 ft deep x 60 ft wide
Patio Area	640 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1272 SHELDON ST
City	WATERLOO
State	IA
Zip	50701-3215
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ALABAR HILLS LOT 12 BLK 9
Legal Range	13W
Legal Township	89N
Legal Section	28
Legal Subdivision	ALABAR HILLS
Legal Block	9
Legal Lot Number	12
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2025
Census Tract	1502

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	1272 SHELDON ST, WATERLOO, IA 50701-3215
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2024	Deed of Trust, Mortgage · Line of Credit CEDAR FALLS COMMUNITY CU
Sep 29, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CEDAR FALLS COMMUNITY CU
Sep 29, 2020	Warranty Deed, Transfer · Conventional Mortgage CEDAR FALLS COMMUNITY CU
Oct 22, 2012	Legal Action/Court Order, Foreclosure · Loan Assumption UNIVERSITY OF IOWA COMMUNITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 2021 · Amount on Record
Deed Sale	Sep 29, 2021 · Amount on Record
Prior Sale	Sep 29, 2020 · Amount on Record
Deed Document Number	20216793
Record Updated	Oct 29, 2026

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1272 SHELDON ST, WATERLOO, IA 50701-3215
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1272 SHELDON ST, WATERLOO, IA 50701-3215

Mortgage

Document Number	0202422005
Date	Oct 18, 2024
Instrument	2024-22005

Lender

Name	CEDAR FALLS COMMUNITY CU
Type	Credit Union
Address	123 W 4TH ST, CEDAR FALLS, IA 50613

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Oct 1, 2034

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1272 SHELDON ST, WATERLOO, IA 50701-3215
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100006727
Date	Sep 29, 2020
Instrument	202100006727

Lender

Name	CEDAR FALLS COMMUNITY CU
Type	Credit Union
Address	CEDAR FALLS, IA 50613

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	73 Months
Due	Oct 1, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 29, 2020
Property Address	1272 SHELDON ST, WATERLOO, IA 50701-3215
Document Number	202100006793
Instrument Date	Sep 23, 2020
Instrument	202100006793
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$180.00
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
Address	1272 SHELDON ST, WATERLOO, IA 50701-3215

Mortgage

Document Number	202100006794
Date	Sep 29, 2020
Instrument	202100006794

Lender

Name	CEDAR FALLS COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	73 Months
Due	Oct 1, 2026

Mortgage

Document Number	202100006727
Date	Sep 29, 2020
Instrument	202100006727

Lender

Name	CEDAR FALLS COMMUNITY CU
Type	Credit Union
Address	CEDAR FALLS, IA 50613

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	73 Months
Due	Oct 1, 2026

October 2012: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 22, 2012
Property Address	1272 SHELDON ST, WATERLOO, IA 50701-3215
Document Number	201200008143
Instrument Date	Aug 29, 2012
Instrument	201200008143
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$140.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1272 SHELDON ST, WATERLOO, IA 50701-3215

Mortgage

Document Number	2012008144
Date	Oct 22, 2012
Instrument	2012008144

Lender

Name	UNIVERSITY OF IOWA COMMUNITY CU
Type	Credit Union

Agreement

Type	Loan Assumption
Amount	Amount Recorded
Term	359 Months
Due	Sep 1, 2042

Interest

Rate Type	Fixed Rate
Rate	4.12%
Type Change Date	Sep 1, 2022
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	6.12%
Index	1-Year CMT
Max Rate	10.1%

Mortgage

Document Number	2012008145
Date	Oct 22, 2012
Instrument	2012008145

Lender

Name	UNIVERSITY OF IOWA COMMUNITY CU
Type	Credit Union
Address	IOWA CITY, IA 52244

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Sep 1, 2027

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	$2,478.00 (+4.29%) Homeowner's exemption	$132,290 (+10.44%) Land $16,340 Building $115,950	$132,290 (+10.44%) Land $16,340 Building $115,950
2024	$2,376.00 (+15%)
2023		$119,780 (+16.37%) Land $16,340 Building $103,440	$119,780 (+16.37%) Land $16,340 Building $103,440
2022	$2,066.00 Homeowner's exemption	$102,930 Land $16,340 Building $86,590
2021			$102,930 Land $16,340 Building $86,590

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
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

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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