1411 Bluff St, Waterloo, IA 50702 Property Records

Black Hawk County property record for 1411 Bluff St, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,452 sqft · built 1898
Lot Size	0.333 acres (14,515 sqft)
Owner	Individual Name on Record
Last Sale	$53,000 (Jan 2008)
Tax Bill	$788 (2025)
Deeds & Mortgages	Jan 2025 Line of Credit May 2013 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-25-336-015`

Property Details

APN / Parcel Number

Primary APN	`8913-25-336-015`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,452 sqft Living Area
1st Floor Area	616 sqft
Basement Area	836 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1898
Effective Year Built	Effective 1898
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,515 sqft (0.333 acres)
Lot Dimensions	146 ft deep x 43 ft wide
Garage Type	Detached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	160 sqft
Deck Area	224 sqft
Patio Area	340 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1411 BLUFF ST
City	WATERLOO
State	IA
Zip	50702-1613
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DRAPERS ADDITION LOT 2 & NELY 80 FT OF LOT 1
Legal Range	13W
Legal Township	89N
Legal Section	25
Legal Subdivision	DRAPERS ADDITION
Legal Lot Number	1,2
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2030
Census Tract	900

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	1411 BLUFF ST, WATERLOO, IA 50702-1613
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2025	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
May 1, 2013	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC
Jan 7, 2008	Legal Action/Court Order, Foreclosure · FHA Mortgage GMAC MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 7, 2008 · Amount on Record
Deed Sale	Jan 7, 2008 · Amount on Record
Deed Document Number	200813581
Last Transfer Date	Dec 30, 2024
Transfer Doc	0202425430
Record Updated	Oct 29, 2026

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1411 BLUFF ST, WATERLOO, IA 50702-1613
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1411 BLUFF ST, WATERLOO, IA 50702-1613

Mortgage

Document Number	0202501391
Date	Jan 31, 2025
Instrument	2025-01391

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 30, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1411 BLUFF ST, WATERLOO, IA 50702-1613
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2013022511
Date	May 1, 2013
Instrument	2013022511

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2043

January 2008: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	BLACK HAWK IA
Recording Date	Jan 7, 2008
Property Address	1411 BLUFF ST, WATERLOO, IA 50702-1613
Document Number	2008013581
Instrument Date	Jan 4, 2008
Instrument	2008013581
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026
Title Company	BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK COUNTY ABSTRACT &

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$84.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Mortgage

Document Number	2008013583
Date	Jan 7, 2008
Instrument	2008013583

Lender

Name	GMAC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2038

Tax Assessment & Valuation

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	$788.00 (+37.76%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption	$80,270 (+22.55%) Land $15,170 Building $65,100	$80,270 (+22.55%) Land $15,170 Building $65,100
2024	$572.00 (-46.34%)
2023		$65,500 (+14.07%) Land $15,170 Building $50,330	$65,500 (+14.07%) Land $15,170 Building $50,330
2022	$1,066.00 Homeowner's exemption	$57,420 Land $15,170 Building $42,250
2021			$57,420 Land $15,170 Building $42,250

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

Flood

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	7 in force

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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 91% 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 302 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Waterloo Fiber Fiber	10,000 / 10,000
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

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