Black Hawk County property record for 138 Ruby Dr, Waterloo, IA 50702 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 1.5 Baths |
| Year Built | Built 1956 |
| Square Footage | 1,104 sqft Living Area |
| Lot Size | 14,400 sqft (0.331 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $125,000 (2022) |
| Tax Bill | $2,890.00 (2025) |
| Primary APN | 8812-07-153-001 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 5 Rooms |
| Building Area | 1,104 sqft Living Area |
| 1st Floor | 1,104 sqft 1st Floor |
| Basement Area | 1,104 sqft Basement |
| Unfinished Basement | 1,104 sqft Unfinished |
| Game Room | Game Room |
| Stories | 1 Stories |
| Primary Flooring | Vinyl/Resilient Flooring |
| Interior Structure | Plaster Interior Structure |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Exterior Material | Vinyl Exterior |
| Construction Type | Frame Construction |
| Roof Construction | Hip Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 14,400 sqft (0.331 acres) |
| Depth X Width | 160 ft x 90 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Detached Garage |
| Garage Area | 528 sqft Garage |
| Shed | 1 Shed |
| Shed Area | 240 sqft Shed |
| Patio Area | 416 sqft Patio |
| Cooling System | Central Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 138 RUBY DR |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50702-4639 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | CLOSSON SUBDIVISION LOT 17 |
| Legal Range | 12W |
| Legal Township | 88N |
| Legal Section | 07 |
| Legal Subdivision | CLOSSON SUBDIVISION |
| Legal Lot Number | 17 |
| Jurisdiction | BLACK HAWK IA |
| Minor Civil Division | WATERLOO |
| Census Blockgroup | 1 |
| Census Block | 1030 |
| Census Tract | 2901 |
Source: Black Hawk County records · APN 8812-07-153-001
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 | 138 RUBY DR, WATERLOO, IA 50702-4639 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Sep 20, 2023 | Deed of Trust, Mortgage · Line of Credit VERIDIAN CU |
| Jan 26, 2022 | Legal Action/Court Order, Foreclosure · Veterans Administration Mortgage VERIDIAN CU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 26, 2022 · Amount on Record |
| Deed Sale | Jan 26, 2022 · Amount on Record |
| Deed Doc Number | 202215233 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 138 RUBY DR, WATERLOO, IA 50702-4639 |
| Transaction Type | Mortgage |
| Record Updated | Oct 06, 2023 |
| Name | Verified Name |
|---|---|
| Address | 138 RUBY DR, WASHBURN, IA 50702-4639 |
| Document Number | 202400004033 |
|---|---|
| Date | Sep 20, 2023 |
| Instrument | 202400004033 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | WATERLOO, IA 50704 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Sep 19, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Legal Action/Court Order |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Jan 26, 2022 |
| Property Address | 138 RUBY DR, WATERLOO, IA 50702-4639 |
| Document Number | 202200015233 |
| Instrument Date | Jan 14, 2022 |
| Instrument | 202200015233 |
| Transaction Type | Foreclosure |
| Record Updated | Feb 08, 2022 |
| Title Company | TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $199.20 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5808 DAHLIA BLVD, WATERLOO, IA 50701-9120 |
| Investor | Possibly a Property Investor |
| Document Number | 202200015234 |
|---|---|
| Date | Jan 26, 2022 |
| Instrument | 202200015234 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | WATERLOO, IA 50701 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2052 |
Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community School District (PK - 12) |
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 | $2,890.00 Homeowner's exemption | $153,790 (+1.24%) Land $23,400 Building $130,390 | $153,790 (+1.24%) Land $23,400 Building $130,390 |
| 2024 | $2,890.00 (+18.15%) | ||
| 2023 | $151,910 (+22.85%) Land $23,400 Building $128,510 | $151,910 (+22.85%) Land $23,400 Building $128,510 | |
| 2022 | $2,446.00 Homeowner's exemption | $123,650 Land $23,400 Building $100,250 | |
| 2021 | $123,650 Land $23,400 Building $100,250 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Low above 3% of the US · above 24% of Iowa |
|---|---|
| Wildfire Likelihood | About 1 in 9,091 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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