1301 W 11th St, Waterloo, IA 50702 Property Records

Black Hawk County property record for 1301 W 11th St, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 772 sqft · built 1950
Lot Size	0.176 acres (7,680 sqft)
Owner	2 Individual Names on File
Last Sale	$95,500 (Feb 2019)
Tax Bill	$1,980 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Feb 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-36-154-001`

Property Details

APN / Parcel Number

Primary APN	`8913-36-154-001`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	772 sqft Living Area
1st Floor Area	772 sqft
Basement Area	772 sqft
Finished Basement	350 sqft
Unfinished Basement	772 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,680 sqft (0.176 acres)
Lot Dimensions	120 ft deep x 64 ft wide
Garage Type	Detached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	20 sqft
Patio Area	396 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1301 W 11TH ST
City	WATERLOO
State	IA
Zip	50702-2448
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RUSSELL HEIGHTS LOT 1 BLK 3
Legal Range	13W
Legal Township	89N
Legal Section	36
Legal Subdivision	RUSSELL HEIGHTS
Legal Block	3
Legal Lot Number	1
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1016
Census Tract	1000

Owner

1301 W 11th St is owned and occupied by two individuals who bought it in February 2019.

Source: Black Hawk County records, as of September 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1301 W 11TH ST, WATERLOO, IA 50702-2448
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
Oct 18, 2023	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Feb 25, 2019	Deed of Trust, Mortgage · Stand-Alone First Mortgage VERIDIAN CREDIT UNION
Feb 25, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage VERIDIAN CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 25, 2019 · Amount on File
Deed Sale	Feb 25, 2019 · Amount on File
Prior Sale	Nov 23, 2009 · Amount on File
Deed Document Number	201912843
Prior Transfer Date	Feb 1, 2007
Prior Transfer Doc	2007016639
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1301 W 11TH ST, WATERLOO, IA 50702-2448
Transaction Type	Mortgage
Record Updated	Oct 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1301 W 11TH ST, WATERLOO, IA 50702-2448

Mortgage

Document Number	202400005276
Date	Oct 18, 2023
Instrument	202400005276

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Oct 17, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1301 W 11TH ST, WATERLOO, IA 50702-2448
Transaction Type	Mortgage
Record Updated	Aug 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900012845
Date	Feb 25, 2019
Instrument	201900012845

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	121 Months
Due	Mar 1, 2029

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Feb 25, 2019
Property Address	1301 W 11TH ST, WATERLOO, IA 50702-2448
Document Number	201900012843
Instrument Date	Feb 13, 2019
Instrument	201900012843
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1301 W 11TH ST, WATERLOO, IA 50702-2448
Investor	Possibly a Property Investor

Mortgage

Document Number	201900012844
Date	Feb 25, 2019
Instrument	201900012844

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Mar 1, 2029
Max Rate At Change	2.7%

Mortgage

Document Number	201900012843
Date	Feb 25, 2019
Instrument	201900012843

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Mar 1, 2029
Index	Other

Tax Assessment & Valuation

The 2025 property tax bill for 1301 W 11th St was $1,980 with a homeowner's exemption, up 4.4% 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	$1,980.00 (+4.43%) Homeowner's exemption	$116,920 Land $21,280 Building $95,640	$116,920 Land $21,280 Building $95,640
2024	$1,896.00
2023		$106,080 (+23.58%) Land $21,280 Building $84,800	$106,080 Land $21,280 Building $84,800
2022	$1,616.00 Homeowner's exemption	$85,840 Land $21,280 Building $64,560
2021			$85,840 Land $21,280 Building $64,560

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

Flood

FEMA maps place 1301 W 11th St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 27, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 1301 W 11th St 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 719 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
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130

May also be available: Nextlink.

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