1326 Upton Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 1326 Upton Ave, Waterloo, IA 50701 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,185 sqft · built 1954
Lot Size	0.272 acres (11,832 sqft)
Owner	Individual Name on File
Last Sale	$185,000 (Sep 2024)
Tax Bill	$2,976 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Oct 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`8913-21-260-011`

Property Details

APN / Parcel Number

Primary APN	`8913-21-260-011`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	3 Half Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,185 sqft Living Area
1st Floor Area	908 sqft
Basement Area	908 sqft
Finished Basement	400 sqft
Unfinished Basement	908 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,832 sqft (0.272 acres)
Lot Dimensions	204 ft deep x 58 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Deck Area	Deck Area
Patio Area	730 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1326 UPTON AVE
City	WATERLOO
State	IA
Zip	50701-1962
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CLYDE MILLER HGTS FIRST SUB LOT 10 BLK 1
Legal Range	13W
Legal Township	89N
Legal Section	21
Legal Subdivision	CLYDE MILLER HGTS FIRST SUB
Legal Block	1
Legal Lot Number	10
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	3
Census Block	3029
Census Tract	1503

Owner

Source: Black Hawk County records · APN 8913-21-260-011

Assessment roll updated October 17, 2025 · Last verified August 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	1326 UPTON AVE, WATERLOO, IA 50701-1962
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2026	Deed of Trust, Mortgage · Line of Credit DUPACO COMMUNITY CREDIT UNION
Oct 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage COLLINS COMMUNITY CU
Oct 11, 2017	Deed of Trust, Mortgage · Second Mortgage (Down Payment) COLLINS COMMUNITY CU
Sep 05, 2023	Warranty Deed, Transfer
Aug 17, 2022	Warranty Deed, Transfer · Line of Credit PILOT GROVE SAVINGS BANK
Oct 11, 2017	Warranty Deed, Transfer · Conventional Mortgage COLLINS COMMUNITY CU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 05, 2024 · Amount on Record
Deed Sale	Sep 05, 2024 · Amount on Record
Prior Sale	Sep 05, 2023 · Amount on Record
Deed Document Number	20243332
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 18, 2026
Property Address	1326 UPTON AVE, WATERLOO, IA 50701-1962
Document Number	0000009110
Instrument Date	Jun 18, 2026
Instrument	20269110
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1326 UPTON AVE, WATERLOO, IA 50701-1962

Mortgage

Document Number	0000009110,
Date	Jun 18, 2026
Instrument	20269110

Lender

Name	DUPACO COMMUNITY CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.51%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1326 UPTON AVE, WATERLOO, IA 50701-1962
Transaction Type	Mortgage
Record Updated	Sep 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100008982
Date	Oct 26, 2020
Instrument	202100008982

Lender

Name	COLLINS COMMUNITY CU
Type	Credit Union
Address	CEDAR RAPIDS, IA 52402

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 01, 2035

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1326 UPTON AVE, WATERLOO, IA 50701-1962
Transaction Type	Mortgage
Record Updated	Sep 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800006387
Date	Oct 11, 2017
Instrument	2018-00006387

Lender

Name	COLLINS COMMUNITY CU
Type	Credit Union
Address	CEDAR RAPIDS, IA 52402

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	121 Months
Due	Nov 01, 2027

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 05, 2023
Property Address	1326 UPTON AVE, WATERLOO, IA 50701-1962
Document Number	202400003332
Instrument Date	Aug 18, 2023
Instrument	202400003332
Transaction Type	Transfer
Record Updated	Sep 25, 2023

Transaction

Amount	Amount Recorded
Tax	$295.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1326 UPTON AVE, WATERLOO, IA 50701-1962

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Aug 17, 2022
Property Address	1326 UPTON AVE, WATERLOO, IA 50701-1962
Document Number	202300002855
Instrument Date	Aug 13, 2022
Instrument	202300002855
Transaction Type	Transfer
Record Updated	Sep 25, 2023
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$246.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1326 UPTON AVE, WATERLOO, IA 50701-1962

Mortgage

Document Number	202300002856
Date	Aug 17, 2022
Instrument	202300002856

Lender

Name	PILOT GROVE SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	302 Months
Due	Oct 15, 2047

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 11, 2017
Property Address	1326 UPTON AVE, WATERLOO, IA 50701-1962
Document Number	201800006385
Instrument Date	Oct 06, 2017
Instrument	2018-00006385
Transaction Type	Transfer
Record Updated	Sep 25, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$180.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1326 UPTON AVE, WATERLOO, IA 50701-1962

Mortgage

Document Number	201800006386
Date	Oct 11, 2017
Instrument	2018-00006386

Lender

Name	COLLINS COMMUNITY CU
Type	Credit Union
Address	CEDAR RAPIDS, IA 52402

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2047

Tax Assessment & Valuation

Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified August 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	$2,976.00 Homeowner's exemption	$168,340 (+18.16%) Land $20,920 Building $147,420	$168,340 (+18.16%) Land $20,920 Building $147,420
2024	$2,976.00 (+30.53%)
2023		$142,470 (+26.44%) Land $20,920 Building $121,550	$142,470 (+26.44%) Land $20,920 Building $121,550
2022	$2,280.00 Homeowner's exemption	$112,680 Land $20,920 Building $91,760
2021			$112,680 Land $20,920 Building $91,760

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Black Hawk County (19013C), updated September 27, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 190130015033, refreshed September 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
Nearby Flood Claims	1 (2013)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2013, tidal / storm surge

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; flood claims are located to the census block group, not this parcel; 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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