137 Vera Dr, Waterloo, IA 50701 Property Records

Black Hawk County property record for 137 Vera Dr, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,040 sqft · built 1978
Lot Size	0.263 acres (11,471 sqft)
Owner	Individual Name on File
Last Sale	$225,000 (May 2026)
Tax Bill	$3,980 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Oct 2025 Line of Credit + 7 more
Flood Zone	Zone X (minimal risk)
APN	`8913-17-476-032`

Property Details

APN / Parcel Number

Primary APN	`8913-17-476-032`
Alternative APN	`8913-17-476-053`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	3 Half Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,040 sqft Living Area
1st Floor Area	1,040 sqft
Basement Area	1,040 sqft
Finished Basement	600 sqft
Unfinished Basement	1,040 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,471 sqft (0.263 acres)
Lot Dimensions	151 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Deck Area	300 sqft
Patio Area	300 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	137 VERA DR
City	WATERLOO
State	IA
Zip	50701-1053
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOBDELLS SECOND ADD TO CASTLE HILL LOT 28 EXC W 30 FT AND S 9 FT LOT 29 EXC BEG AT SW COR OF LOT 29 TH E 19 FT ALONG S LINE
Legal Range	13W
Legal Township	89N
Legal Section	17
Legal Subdivision	LOBDELLS SECOND ADDITION
Legal Lot Number	28,29
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2020
Census Tract	1503

Owner

137 Vera Dr is owned and occupied by an individual who bought it in May 2026.

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

Owner of Record	Individual Name on File
Mailing Address	137 VERA DR, WATERLOO, IA 50701-1053
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
Aug 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage CEDAR FALLS COMMUNITY CU
Oct 6, 2025	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Jun 18, 2010	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA
May 14, 2014	Deed of Trust, Mortgage DEERE EMPLOYEES CU
Apr 10, 2012	Deed of Trust, Mortgage · VA Mortgage USAA FEDERAL SAVINGS BANK
May 18, 2026	Warranty Deed, Transfer · Conventional Mortgage FREE STATE CREDIT UNION
Nov 15, 2022	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Dec 17, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage PREMIER LENDING INC
May 22, 2018	Warranty Deed, Transfer · Line of Credit CEDAR VALLEY BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 18, 2026 · Amount on File
Deed Sale	May 18, 2026 · Amount on File
Prior Sale	Nov 15, 2023 · Amount on File
Deed Document Number	20267172
Prior Transfer Date	May 14, 2025
Prior Transfer Doc	0000006635
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	137 VERA DR, WATERLOO, IA 50701-1053
Transaction Type	Mortgage
Record Updated	May 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100003169
Date	Aug 12, 2020
Instrument	202100003169

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2035

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	137 VERA DR, WATERLOO, IA 50701-1053
Transaction Type	Mortgage
Record Updated	May 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	137 VERA DR, WATERLOO, IA 50701-1053
Investor	Possibly a Property Investor

Mortgage

Document Number	0202514667
Date	Oct 6, 2025
Instrument	2025-14667

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	PO BOX 6000, WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Oct 20, 2035

Interest

Change Frequency	Monthly

June 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	137 VERA DR, WATERLOO, IA 50701-1053
Transaction Type	Mortgage
Record Updated	May 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2010023830
Date	Jun 18, 2010
Instrument	2010023830

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	NEWARK, NJ 07101

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2025

May 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	137 VERA DR, WATERLOO, IA 50701-1053
Transaction Type	Mortgage
Record Updated	May 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201400020075
Date	May 14, 2014
Instrument	201400020075

Lender

Name	DEERE EMPLOYEES CU
Type	Credit Union
Address	MOLINE, IL 61265

Agreement

Amount	Amount on Record
Term	60 Months
Due	May 4, 2019

April 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	137 VERA DR, WATERLOO, IA 50701-1053
Transaction Type	Mortgage
Record Updated	May 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2012018620
Date	Apr 10, 2012
Instrument	2012-018620

Lender

Name	USAA FEDERAL SAVINGS BANK
Type	Bank
Address	SAN ANTONIO, TX 78288

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2042

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 18, 2026
Property Address	137 VERA DR, WATERLOO, IA 50701-1053
Document Number	0202607172
Instrument Date	May 11, 2026
Instrument	2026.7172
Transaction Type	Transfer
Record Updated	May 28, 2026
Title Company	TITLE SERVICES GROUP, TITLE SERVICES CORP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$36,279.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	137 VERA DR, WATERLOO, IA 50701-1053

Mortgage

Document Number	0000007173,
Date	May 18, 2026
Instrument	2026.7173

Lender

Name	FREE STATE CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 15, 2022
Property Address	137 VERA DR, WATERLOO, IA 50701-1053
Document Number	202300007771
Instrument Date	Nov 4, 2022
Instrument	202300007771
Transaction Type	Transfer
Record Updated	May 27, 2026
Title Company	TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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	137 VERA DR, WATERLOO, IA 50701-1053
Investor	Possibly a Property Investor

Mortgage

Document Number	202300007772
Date	Nov 15, 2022
Instrument	202300007772

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	6.87%
Type Change Date	Dec 1, 2029
Change Frequency	Annually
Min Rate At Change	4.87%
Max Rate At Change	8.87%
Index	1-Year T-Bill
Max Rate	12.8%

Mortgage

Document Number	202300007773
Date	Nov 15, 2022
Instrument	202300007773

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	85 Months
Due	Dec 1, 2029

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Dec 17, 2019
Property Address	137 VERA DR, WATERLOO, IA 50701-1053
Document Number	20202000010974
Instrument Date	Dec 10, 2019
Instrument	20202000010974
Transaction Type	Transfer
Record Updated	May 27, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	137 VERA DR, WATERLOO, IA 50701-1053

Mortgage

Document Number	20202000010975
Date	Dec 17, 2019
Instrument	20202000010975

Lender

Name	PREMIER LENDING INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 22, 2018
Property Address	137 VERA DR, WATERLOO, IA 50701-1053
Document Number	201800019046
Instrument Date	May 21, 2018
Instrument	201800019046
Transaction Type	Transfer
Record Updated	May 27, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	137 VERA DR, WATERLOO, IA 50701-1053

Mortgage

Document Number	201800019047
Date	May 22, 2018
Instrument	201800019047

Lender

Name	CEDAR VALLEY BANK & TRUST
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 137 Vera Dr was $3,980, down 3.4% 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	$3,980.00 (-3.4%)	$205,910 Land $29,570 Building $176,340	$205,910 Land $29,570 Building $176,340
2024	$4,120.00
2023		$189,130 Land $29,570 Building $159,560	$189,130 Land $29,570 Building $159,560
2022	$3,292.00

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

Flood

FEMA maps place 137 Vera Dr in Zone X, an area of minimal flood risk, though there have been 58 flood claims nearby since 1978.

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	2 in force
Nearby Flood Claims	58 (1978–2016)
Most Recent Claim	Sep 2016 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2016 · 5 claims Severe Storms, Tornadoes, And Flooding, Jun 2008 · 11 claims Severe Storms & Flooding, Aug 1993 · 12 claims

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

Wildfire risk around 137 Vera Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 98.1% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 361 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
CenturyLink DSL	140 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Cedar Falls Utilities, GigFire, Nextlink.

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