128 Valley Rd, Waterloo, IA 50701 Property Records

Black Hawk County property record for 128 Valley Rd, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,248 sqft · built 1969
Lot Size	0.244 acres (10,640 sqft)
Owner	2 Individual Names on File
Last Sale	$129,000 (Aug 2016)
Tax Bill	$3,882 (2025)
Deeds & Mortgages	Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-21-128-006`

Property Details

APN / Parcel Number

Primary APN	`8913-21-128-006`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,248 sqft Living Area
1st Floor Area	1,248 sqft
Basement Area	1,248 sqft
Finished Basement	400 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,640 sqft (0.244 acres)
Lot Dimensions	152 ft deep x 70 ft wide
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	128 VALLEY RD
City	WATERLOO
State	IA
Zip	50701-1724
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PLEASANT VALLEY CASTLE HILL LOT 44
Legal Range	13W
Legal Township	89N
Legal Section	21
Legal Subdivision	PLEASANT VALLEY CASTLE HILL
Legal Lot Number	44
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	3
Census Block	3011
Census Tract	1503

Owner

128 Valley Rd is owned and occupied by two individuals who bought it in August 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	128 VALLEY RD, WATERLOO, IA 50701-1724
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	2 Names on Deed
Last Sale	Aug 12, 2016 · Amount on File
Deed Sale	Aug 12, 2016 · Amount on File
Prior Sale	Oct 20, 2008 · Amount on File
Deed Document Number	20162017-00002990
Prior Transfer Date	Oct 17, 2008
Prior Transfer Doc	2009008170
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	128 VALLEY RD, WATERLOO, IA 50701-1724
Transaction Type	Mortgage
Record Updated	Aug 9, 2022
Title Company	BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK CNTY ABSTRACT CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000017825
Date	Apr 16, 2020
Instrument	202000017825

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 128 Valley Rd was $3,882 with a homeowner's exemption, up 4.5% 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	$3,882.00 (+4.52%) Homeowner's exemption	$201,080 Land $24,990 Building $176,090	$201,080 Land $24,990 Building $176,090
2024	$3,714.00
2023		$181,460 (+26.92%) Land $24,990 Building $156,470	$181,460 Land $24,990 Building $156,470
2022	$2,946.00 Homeowner's exemption	$142,970 Land $24,990 Building $117,980
2021			$142,970 Land $24,990 Building $117,980

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

Flood

FEMA maps place 128 Valley Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2013.

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 (2013)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2013 · tidal / storm surge

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

Wildfire risk around 128 Valley Rd is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 76% of Iowa
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 342 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
Verizon Fixed Wireless	300 / 20
CenturyLink DSL	140 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

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