148 Lowder Rd, Waterloo, IA 50703 Property Records

Black Hawk County property record for 148 Lowder Rd, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,152 sqft · built 1955
Lot Size	0.402 acres (17,500 sqft)
Owner	Individual Name on File
Last Sale	$123,000 (Jul 2021)
Tax Bill	$2,990 (2025)
Deeds & Mortgages	Apr 2025 Second Mortgage Aug 2016 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`8913-01-302-010`

Property Details

APN / Parcel Number

Primary APN	`8913-01-302-010`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,152 sqft Living Area
1st Floor Area	1,152 sqft
Basement Area	1,152 sqft
Finished Basement	180 sqft
Unfinished Basement	1,152 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,500 sqft (0.402 acres)
Lot Dimensions	175 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	120 sqft
Deck Area	448 sqft
Patio Area	448 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	148 LOWDER RD
City	WATERLOO
State	IA
Zip	50703-1041
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNPLATTED WLOO EAST PART SW 1/4 SEC 1 T 89 R 13 COM AT A PT 675 FT E OF CENTER LINE OF PRESENT PAVING ON HWY NO 63 300 FT S
Legal Range	13W
Legal Township	89N
Legal Section	01
Legal Subdivision	UNPLATTED WLOO EAST
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1040
Census Tract	2604

Owner

148 Lowder Rd is owned and occupied by an individual who bought it in July 2021.

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

Owner of Record	Individual Name on File
Mailing Address	148 LOWDER RD, WATERLOO, IA 50703-1041
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
Apr 2, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Aug 3, 2016	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
Jan 25, 2010	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
Jul 1, 2021	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Aug 24, 2006	Legal Action/Court Order, Foreclosure · Conventional Mortgage GMAC MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2021 · Amount on File
Deed Sale	Jul 1, 2021 · Amount on File
Prior Sale	Aug 24, 2006 · Amount on File
Deed Document Number	2021202200000102
Record Updated	Oct 29, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	148 LOWDER RD, WATERLOO, IA 50703-1041
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202504352
Date	Apr 2, 2025
Instrument	2025-04352

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	3043 TOWNSGATE RD # 200, WESTLAKE VILLAGE, CA 91361

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2055

August 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	148 LOWDER RD, WATERLOO, IA 50703-1041
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700002281
Date	Aug 3, 2016
Instrument	2017-00002281

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 1, 2031

January 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	148 LOWDER RD, WATERLOO, IA 50703-1041
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	2010014198
Date	Jan 25, 2010
Instrument	2010014198

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2040

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jul 1, 2021
Property Address	148 LOWDER RD, WATERLOO, IA 50703-1041
Document Number	202200000102
Instrument Date	Jun 25, 2021
Instrument	202200000102
Transaction Type	Transfer
Record Updated	Jul 20, 2021
Title Company	TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$196.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	148 LOWDER RD, WATERLOO, IA 50703-1041

Mortgage

Document Number	202200000103
Date	Jul 1, 2021
Instrument	202200000103

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

August 2006: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	BLACK HAWK IA
Recording Date	Aug 24, 2006
Property Address	148 LOWDER RD, WATERLOO, IA 50703-1041
Document Number	2007004666
Instrument Date	Aug 22, 2006
Instrument	2007004666
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$200.80
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	148 LOWDER RD, WATERLOO, IA 50703-1041
Investor	Possibly a Property Investor

Mortgage

Document Number	2007004673
Date	Aug 24, 2006
Instrument	2007004673

Lender

Name	GMAC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 148 Lowder Rd was $2,990 with a homeowner's exemption, down 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	$2,990.00 (-3.98%) Homeowner's exemption	$157,410 Land $26,750 Building $130,660	$157,410 Land $26,750 Building $130,660
2024	$3,114.00
2023		$153,740 (+37.5%) Land $26,750 Building $126,990	$153,740 Land $26,750 Building $126,990
2022	$2,260.00 Homeowner's exemption	$111,810 Land $26,750 Building $85,060
2021			$111,810 Land $26,750 Building $85,060

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

Flood

FEMA maps place 148 Lowder Rd in Zone X, an area of minimal flood risk, though there have been 21 flood claims nearby since 1979.

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	21 (1979–2016)
Claims Outside the SFHA	1 of 21
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 · 5 claims Severe Storms & Flooding, Jul 1993 · 4 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 148 Lowder Rd is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 62% of Iowa
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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