1307 Forest Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 1307 Forest Ave, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,344 sqft · built 1909
Lot Size	0.146 acres (6,350 sqft)
Owner	Individual Name on File
Last Sale	$91,500 (Mar 2018)
Tax Bill	$2,218 (2025)
Deeds & Mortgages	Mar 2018 Mortgage Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-35-231-013`

Property Details

APN / Parcel Number

Primary APN	`8913-35-231-013`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,344 sqft Living Area
1st Floor Area	672 sqft
Basement Area	672 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	6,350 sqft (0.146 acres)
Lot Dimensions	127 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	40 sqft
Deck Area	280 sqft
Patio Area	280 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1307 FOREST AVE
City	WATERLOO
State	IA
Zip	50702-2340
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FOREST PARK ADDITION LOT 8 BLK 6
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	FOREST PARK ADDITION
Legal Block	6
Legal Lot Number	8
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2011
Census Tract	1100

Owner

1307 Forest Ave is owned and occupied by an individual who bought it in March 2018.

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

Owner of Record	Individual Name on File
Mailing Address	1307 FOREST AVE, WATERLOO, IA 50702-2340
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
Mar 30, 2018	Deed of Trust, Mortgage VERIDIAN CREDIT UNION
Mar 8, 2018	Warranty Deed, Transfer · ARM VERIDIAN CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 8, 2018 · Amount on File
Deed Sale	Mar 8, 2018 · Amount on File
Deed Document Number	201814646
Record Updated	Oct 29, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1307 FOREST AVE, WATERLOO, IA 50702-2340
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800015864
Date	Mar 30, 2018
Instrument	201800015864

Lender

Name	VERIDIAN CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount on Record
Term	118 Months
Due	Jan 1, 2028

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Mar 8, 2018
Property Address	1307 FOREST AVE, WATERLOO, IA 50702-2340
Document Number	201800014646
Instrument Date	Mar 7, 2018
Instrument	201800014646
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1307 FOREST AVE, WATERLOO, IA 50702-2340

Mortgage

Document Number	201800014647
Date	Mar 8, 2018
Instrument	201800014647

Lender

Name	VERIDIAN CREDIT UNION
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	358 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.8%
Type Change Date	Apr 1, 2023
Index	1-Year CMT

Tax Assessment & Valuation

The 2025 property tax bill for 1307 Forest Ave was $2,218 with a homeowner's exemption, up 2.3% 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	$2,218.00 (+2.31%) Homeowner's exemption	$119,580 Land $15,760 Building $103,820	$119,580 Land $15,760 Building $103,820
2024	$2,168.00
2023		$110,150 (+23.6%) Land $15,760 Building $94,390	$110,150 Land $15,760 Building $94,390
2022	$1,762.00 Homeowner's exemption	$89,120 Land $15,760 Building $73,360
2021			$89,120 Land $15,760 Building $73,360

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

Flood

FEMA maps place 1307 Forest Ave in Zone X, an area of minimal flood risk, though there have been 5 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	5 (1979–2013)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Mar 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

The area around 1307 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 740 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
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink.

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