128 Morgan Rd, Waterloo, IA 50702 Property Records

Black Hawk County property record for 128 Morgan Rd, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 812 sqft · built 1952
Lot Size	0.162 acres (7,040 sqft)
Owner	Individual Name on File
Last Sale	$90,000 (Mar 2015)
Tax Bill	$2,242 (2025)
Deeds & Mortgages	Feb 2017 Mortgage Oct 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-35-352-005`

Property Details

APN / Parcel Number

Primary APN	`8913-35-352-005`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	812 sqft Living Area
1st Floor Area	812 sqft
Basement Area	812 sqft
Finished Basement	375 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,040 sqft (0.162 acres)
Lot Dimensions	110 ft deep x 64 ft wide
Garage Type	Detached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	128 MORGAN RD
City	WATERLOO
State	IA
Zip	50702-5023
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUNSET HILLS LOT 23
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	SUNSET HILLS
Legal Lot Number	23
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1024
Census Tract	1200

Owner

128 Morgan Rd is owned and occupied by an individual who bought it in March 2015.

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

Owner of Record	Individual Name on File
Mailing Address	128 MORGAN RD, WATERLOO, IA 50702-5023
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
Feb 27, 2017	Deed of Trust, Mortgage · FHA Mortgage THE MONEY SOURCE INC
Oct 2, 2017	Deed of Trust, Mortgage VERIDIAN CU
Aug 28, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 25, 2015 · Amount on File
Deed Sale	Mar 25, 2015 · Amount on File
Deed Document Number	201515019
Record Updated	Oct 29, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	128 MORGAN RD, WATERLOO, IA 50702-5023
Transaction Type	Mortgage
Record Updated	Nov 22, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700015043
Date	Feb 27, 2017
Instrument	2017-00015043

Lender

Name	THE MONEY SOURCE INC
Type	Non-Lending Institution
Address	MELVILLE, NY 11747

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2047

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	128 MORGAN RD, WATERLOO, IA 50702-5023
Transaction Type	Mortgage
Record Updated	Nov 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800005785
Date	Oct 2, 2017
Instrument	2018-00005785

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Amount	Amount on Record
Term	179 Months
Due	Sep 25, 2032

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	128 MORGAN RD, WATERLOO, IA 50702-5023
Transaction Type	Mortgage
Record Updated	Nov 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100004432
Date	Aug 28, 2020
Instrument	202100004432

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Sep 1, 2030

Tax Assessment & Valuation

The 2025 property tax bill for 128 Morgan Rd was $2,242 with a homeowner's exemption, down 7.5% 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	$2,242.00 (-7.51%) Homeowner's exemption	$120,750 Land $20,610 Building $100,140	$120,750 Land $20,610 Building $100,140
2024	$2,424.00
2023		$121,950 (+30.54%) Land $20,610 Building $101,340	$121,950 Land $20,610 Building $101,340
2022	$1,856.00 Homeowner's exemption	$93,420 Land $20,610 Building $72,810
2021			$93,420 Land $20,610 Building $72,810

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

Flood

FEMA maps place 128 Morgan Rd in Zone X, an area of minimal flood risk, though there have been 14 flood claims nearby since 1979.

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	1 in force
Nearby Flood Claims	14 (1979–2018)
Claims Outside the SFHA	3 of 14
Most Recent Claim	Oct 2018 · rainfall accumulation

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 Morgan Rd 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 399 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
GigFire Fixed Wireless	150 / 130

May also be available: AT&T, Nextlink, Verizon.

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