Black Hawk County property record for 144 S Holgate Rd, Waterloo, IA 50703
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,357 sqft · built 1996 |
| Lot Size | 2.5 acres (108,900 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,776 (2025) |
| Deeds & Mortgages | Nov 2017 Mortgage Jul 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 8911-26-101-003 |
| Primary APN | 8911-26-101-003 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,357 sqft Living Area |
| 1st Floor Area | 1,357 sqft |
| Basement Area | 1,357 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 108,900 sqft (2.5 acres) |
| Garage Type | Attached |
| Garage Area | 784 sqft |
| Parking Spaces | 3 Parking Spaces |
| Deck Area | 144 sqft |
| Patio Area | 48 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 144 S HOLGATE RD |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50703-9243 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PART OF NW 1/4 SEC 26 T 89 R 11 DESC AS COM AT NW COR OF NW 1/4 OF SAID SEC 26 TH S 868 FT TO POB TH S 89 DEG 45 MIN 14 SEC E |
| Legal Range | 11W |
| Legal Township | 89N |
| Legal Section | 26 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | BARCLAY |
| Census Block Group | 1 |
| Census Block | 1120 |
| Census Tract | 2800 |
144 S Holgate Rd is owned and occupied by two individuals who acquired it in October 2017.
Source: Black Hawk County records, as of September 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 144 S HOLGATE RD, WATERLOO, IA 50703-9243 |
| 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.
| Date | Document |
|---|---|
| Nov 1, 2017 | Deed of Trust, Mortgage · VA Mortgage BANKIOWA |
| Jul 28, 2020 | Deed of Trust, Mortgage · VA Mortgage UNITED MILITARY MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Oct 26, 2017 |
| Transfer Doc | 2018000077 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 144 S HOLGATE RD, WATERLOO, IA 50703-9243 |
| Transaction Type | Mortgage |
| Record Updated | Jan 2, 2023 |
| Name | Verified Name |
|---|
| Document Number | 201800007748 |
|---|---|
| Date | Nov 1, 2017 |
| Instrument | 2018-00007748 |
| Name | BANKIOWA |
|---|---|
| Type | Bank |
| Address | INDEPENDENCE, IA 50644 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 144 S HOLGATE RD, WATERLOO, IA 50703-9243 |
| Transaction Type | Mortgage |
| Record Updated | Jan 2, 2023 |
| Name | Verified Name |
|---|
| Document Number | 202100002098 |
|---|---|
| Date | Jul 28, 2020 |
| Instrument | 202100002098 |
| Name | UNITED MILITARY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | LINDON, UT 84042 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2050 |
The 2025 property tax bill for 144 S Holgate Rd was $3,776 with a homeowner's exemption, up 5.1% from the year before.
Source: Black Hawk County assessment roll, as of October 17, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Unified School District | Jesup Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,776.00 (+5.12%) Homeowner's exemption | $340,000 Land $69,000 Building $271,000 | $340,000 Land $69,000 Building $271,000 |
| 2024 | $3,592.00 | ||
| 2023 | $305,650 (+36.94%) Land $57,500 Building $248,150 | $305,650 Land $57,500 Building $248,150 | |
| 2022 | $3,000.00 Homeowner's exemption | $223,200 Land $46,000 Building $177,200 | |
| 2021 | $223,200 Land $46,000 Building $177,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 144 S Holgate Rd in Zone X, an area of minimal flood risk, though there have been 17 flood claims nearby since 1990.
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 | 3 in force |
| Nearby Flood Claims | 17 (1990–2016) |
| Claims Outside the SFHA | 2 of 17 |
| Most Recent Claim | Sep 2016 · Severe Storms And Flooding |
| Claims by Event |
|
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.
The area around 144 S Holgate Rd has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Heartland Technology Fiber | 1,000 / 1,000 |
May also be available: GigFire, T-Mobile.
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