1330 W Ridgeway Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 1330 W Ridgeway Ave, Waterloo, IA 50701 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,480 sqft · built 1948
Lot Size	0.372 acres (16,224 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,458 (2025)
Deeds & Mortgages	Mar 2022 Line of Credit Aug 2007 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`8913-33-477-027`

Property Details

APN / Parcel Number

Primary APN	`8913-33-477-027`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,480 sqft Living Area
1st Floor Area	1,074 sqft
Attic	Attic
Attic Area	376 sqft
Basement Area	1,074 sqft
Finished Basement	400 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,224 sqft (0.372 acres)
Lot Dimensions	169 ft deep x 96 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Patio Area	260 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1330 W RIDGEWAY AVE
City	WATERLOO
State	IA
Zip	50701-4431
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNPLATTED WATERLOO WEST S 202.087 FT OF THE SE SE SEC 33 T 89 R 13 DES AS COM ON S LINE 314.65 FT W OF SE COR TH N 452.1 FT
Legal Range	13W
Legal Township	89N
Legal Section	33
Legal Subdivision	UNPLATTED WATERLOO WEST
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1018
Census Tract	1501

Owner

Source: Black Hawk County records · APN 8913-33-477-027

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	2 Individual Names on File
Mailing Address	1330 W RIDGEWAY AVE, WATERLOO, IA 50701-4431
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2022	Deed of Trust, Mortgage · Line of Credit DUPACO COMMUNITY CU
Aug 27, 2007	Deed of Trust, Mortgage · ARM IOWA COMMUNITY CU
Oct 02, 2012	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY CU
Aug 16, 2005	Deed of Trust, Mortgage · Line of Credit IOWA COMMUNITY CU
Feb 20, 2025	Intrafamily Transfer, Transfer
Dec 01, 2023	Quit Claim Deed, Transfer Quitclaim
Jul 22, 2020	Intrafamily Transfer, Transfer
Jul 01, 2015	Intrafamily Transfer, Transfer · Conventional Mortgage DUPACO COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Feb 19, 2025
Transfer Doc	0202502346
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1330 W RIDGEWAY AVE, WATERLOO, IA 50701-4431
Transaction Type	Mortgage
Record Updated	Feb 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200018922
Date	Mar 29, 2022
Instrument	202200018922

Lender

Name	DUPACO COMMUNITY CU
Type	Credit Union
Address	DUBUQUE, IA 52002

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Mar 28, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1330 W RIDGEWAY AVE, WATERLOO, IA 50701-4431
Transaction Type	Mortgage
Record Updated	Feb 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	2008004674
Date	Aug 27, 2007
Instrument	2008004674

Lender

Name	IOWA COMMUNITY CU
Address	WATERLOO, IA 50701

Agreement

Type	ARM
Amount	Amount Recorded
Term	180 Months
Due	Aug 24, 2022

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Type Change Date	Aug 24, 2017
Change Frequency	Annually
Min Rate At Change	6%
Max Rate At Change	21%
Index	Prime Rate
Margin	6
Max Rate	21%

October 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1330 W RIDGEWAY AVE, WATERLOO, IA 50701-4431
Transaction Type	Mortgage
Record Updated	Feb 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	201300006758
Date	Oct 02, 2012
Instrument	201300006758

Lender

Name	COMMUNITY CU
Type	Credit Union
Address	CEDAR FALLS, IA 50613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	119 Months
Due	Sep 26, 2022

August 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1330 W RIDGEWAY AVE, WATERLOO, IA 50701-4431
Transaction Type	Mortgage
Record Updated	Feb 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	2006004315
Date	Aug 16, 2005
Instrument	2006004315

Lender

Name	IOWA COMMUNITY CU
Address	WATERLOO, IA 50701

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	1 Months
Due	Sep 16, 2005

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BLACK HAWK IA
Recording Date	Feb 20, 2025
Property Address	1330 W RIDGEWAY AVE, WATERLOO, IA 50701-4431
Document Number	0202502346
Instrument Date	Feb 19, 2025
Instrument	2025-02346
Transaction Type	Transfer
Record Updated	Feb 19, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1330 W RIDGEWAY AVE, WATERLOO, IA 50701-4431

December 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Dec 01, 2023
Property Address	1330 W RIDGEWAY AVE, WATERLOO, IA 50701-4431
Document Number	202400007172
Instrument Date	Dec 01, 2023
Instrument	202400007172
Transaction Type	Transfer
Record Updated	Feb 19, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1330 W RIDGEWAY AVE, WATERLOO, IA 50701-4431

July 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BLACK HAWK IA
Recording Date	Jul 22, 2020
Property Address	1330 W RIDGEWAY AVE, WATERLOO, IA 50701-4431
Document Number	202100001818
Instrument Date	Jul 22, 2020
Instrument	202100001818
Transaction Type	Transfer
Record Updated	Feb 19, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1330 W RIDGEWAY AVE, WATERLOO, IA 50701-4431

July 2015: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BLACK HAWK IA
Recording Date	Jul 01, 2015
Property Address	1330 W RIDGEWAY AVE, WATERLOO, IA 50701-4431
Document Number	201600000078
Instrument Date	Jun 24, 2015
Instrument	201600000078
Transaction Type	Transfer
Record Updated	Feb 19, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1330 W RIDGEWAY AVE, WATERLOO, IA 50701-4431
Investor	Possibly a Property Investor

Mortgage

Document Number	201500000079
Date	Jul 01, 2015
Instrument	201500000079

Lender

Name	DUPACO COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2045

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	$3,458.00 Homeowner's exemption	$205,390 (+12.03%) Land $30,530 Building $174,860	$205,390 (+12.03%) Land $30,530 Building $174,860
2024	$3,458.00 (+6.79%)
2023		$183,330 (+17.31%) Land $30,530 Building $152,800	$183,330 (+17.31%) Land $30,530 Building $152,800
2022	$3,238.00 Homeowner's exemption	$156,280 Land $30,530 Building $125,750
2021			$156,280 Land $30,530 Building $125,750

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 190130015011, 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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Cost	Premium on Record median of 11 individual NFIP policies nearby
Nearby Flood Policies	11 in force
Nearby Flood Claims	15 (1979–2020)
Most Recent Claim	Jul 2020, rainfall accumulation
Claims By Storm	Severe Storms, Flooding, And Tornadoes, Jul 2010 · 3 claims Severe Storms & Flooding, Jul 1993 · 4 claims

Wildfire

Wildfire Risk	Low above 2% of the US · above 17% of Iowa
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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 268 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Waterloo Telecommunications Utility	Fiber	10,000 / 10,000
Metronet Holdings	Fiber	5,120 / 5,120
Mediacom Communications	Cable	1,000 / 50
Verizon	Fixed Wireless	300 / 20
LTD Broadband	Fixed Wireless (licensed-by-rule)	150 / 130

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

Mobile Coverage

5G (outdoors only) and 4G LTE

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