1315 Upton Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 1315 Upton Ave, Waterloo, IA 50701 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,024 sqft · built 1953
Lot Size	0.152 acres (6,600 sqft)
Owner	Individual Name on File
Last Sale	$200,000 (Oct 2024)
Tax Bill	$3,120 (2025)
Deeds & Mortgages	Oct 2024 Sale & Mortgage Aug 2020 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-21-404-003`

Property Details

APN / Parcel Number

Primary APN	`8913-21-404-003`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,024 sqft Living Area
1st Floor Area	832 sqft
Basement Area	1,024 sqft
Finished Basement	750 sqft
Unfinished Basement	1,024 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,600 sqft (0.152 acres)
Lot Dimensions	100 ft deep x 66 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Patio Area	143 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1315 UPTON AVE
City	WATERLOO
State	IA
Zip	50701-1961
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HILLCREST ADDITION LOT 4 BLK 2
Legal Range	13W
Legal Township	89N
Legal Section	21
Legal Subdivision	HILLCREST ADDITION
Legal Block	2
Legal Lot Number	4
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1002
Census Tract	1503

Owner

Source: Black Hawk County records · APN 8913-21-404-003

Assessment roll updated October 17, 2025 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	1315 UPTON AVE, WATERLOO, IA 50701-1961
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 04, 2024	Warranty Deed, Transfer · Conventional Mortgage BANKERS TRUST COMPANY NA
Aug 10, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 04, 2024 · Amount on Record
Deed Sale	Oct 04, 2024 · Amount on Record
Prior Sale	Nov 27, 2007 · Amount on Record
Deed Document Number	202421346
Prior Transfer Date	Apr 16, 2007
Prior Transfer Doc	2007021661
Record Updated	Sep 20, 2026

October 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 04, 2024
Property Address	1315 UPTON AVE, WATERLOO, IA 50701-1961
Document Number	0202421346
Instrument Date	Sep 19, 2024
Instrument	2024-21346
Transaction Type	Transfer
Record Updated	Oct 17, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$319.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1315 UPTON AVE, WATERLOO, IA 50701-1961

Mortgage

Document Number	0202421347
Date	Oct 04, 2024
Instrument	2024-21347

Lender

Name	BANKERS TRUST COMPANY NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2054

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1315 UPTON AVE, WATERLOO, IA 50701-1961
Transaction Type	Mortgage
Record Updated	Aug 27, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100003077
Date	Aug 10, 2020
Instrument	202100003077

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Aug 15, 2030

Tax Assessment & Valuation

Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified June 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,120.00 Homeowner's exemption	$163,540 (+0.68%) Land $18,880 Building $144,660	$163,540 (+0.68%) Land $18,880 Building $144,660
2024	$3,120.00 (+20.74%)
2023		$162,440 (+25.06%) Land $18,880 Building $143,560	$162,440 (+25.06%) Land $18,880 Building $143,560
2022	$2,584.00 Homeowner's exemption	$129,890 Land $18,880 Building $111,010
2021			$129,890 Land $18,880 Building $111,010

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Black Hawk County (19013C), updated September 27, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 407 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Metronet Holdings	Fiber	5,120 / 5,120
Mediacom Communications	Cable	1,000 / 50
Lumen Technologies	DSL	140 / 20
AT&T	Fixed Wireless	100 / 20
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: LTD Broadband, Verizon, AMG Technology Investment Group. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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