128 Forest Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 128 Forest Ave, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,000 sqft · built 1948
Lot Size	0.175 acres (7,620 sqft)
Owner	Individual Name on File
Last Sale	$81,000 (May 2009)
Tax Bill	$1,632 (2025)
Deeds & Mortgages	May 2009 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-35-109-004`

Property Details

APN / Parcel Number

Primary APN	`8913-35-109-004`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,000 sqft Living Area
1st Floor Area	1,000 sqft
Basement Area	1,000 sqft
Finished Basement	400 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,620 sqft (0.175 acres)
Lot Dimensions	127 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	20 sqft
Patio Area	20 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	128 FOREST AVE
City	WATERLOO
State	IA
Zip	50702-3625
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WESTLAWN ADDITION LOT 16 BLK 1
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	WESTLAWN ADDITION
Legal Block	1
Legal Lot Number	16
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1022
Census Tract	1100

Owner

128 Forest Ave is owned and occupied by an individual who bought it in May 2009.

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

Owner of Record	Individual Name on File
Mailing Address	128 FOREST AVE, WATERLOO, IA 50702-3625
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 29, 2009 · Amount on File
Deed Sale	May 29, 2009 · Amount on File
Deed Document Number	200922904
Prior Transfer Date	Jun 4, 2007
Prior Transfer Doc	2007026028
Record Updated	Oct 29, 2026

May 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	128 FOREST AVE, WATERLOO, IA 50702-3625
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20090022905
Date	May 29, 2009
Instrument	20090022905

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2039

Tax Assessment & Valuation

The 2025 property tax bill for 128 Forest Ave was $1,632 with a homeowner's exemption, up 0.7% 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	$1,632.00 (+0.74%) Homeowner's exemption	$105,450 Land $18,920 Building $86,530	$105,450 Land $18,920 Building $86,530
2024	$1,620.00
2023		$98,630 (+23.43%) Land $18,920 Building $79,710	$98,630 Land $18,920 Building $79,710
2022	$1,560.00 Homeowner's exemption	$79,910 Land $18,920 Building $60,990
2021			$79,910 Land $18,920 Building $60,990

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

Flood

FEMA maps place 128 Forest Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2010.

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 Claims	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2010 · Severe Storms, Flooding, And Tornadoes

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 128 Forest 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 541 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Waterloo Fiber Fiber	10,000 / 10,000
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
AT&T Fixed Wireless	100 / 20

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

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