Black Hawk County property record for 151 Lowder Rd, Waterloo, IA 50703
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 857 sqft · built 1973 |
| Lot Size | 1.24 acres (54,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $147,500 (Jul 2007) |
| Tax Bill | $4,456 (2025) |
| Deeds & Mortgages | Apr 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 8913-01-301-016 |
| Primary APN | 8913-01-301-016 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Building Area | 857 sqft Living Area |
| 1st Floor Area | 857 sqft |
| Basement Area | 857 sqft |
| Finished Basement | 500 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Architectural Style | Split Foyer |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 54,000 sqft (1.24 acres) |
| Lot Dimensions | 270 ft deep x 200 ft wide |
| Garage Type | Attached |
| Garage Area | 1,280 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 432 sqft |
| Deck Area | 416 sqft |
| Patio Area | 504 sqft |
| Shed | 1 Shed |
| Shed Area | 240 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 151 LOWDER RD |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50703-1031 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | UNPLATTED WATERLOO EAST PART SW 1/4 SEC 1 T 89 R 13 COM AT A PT ON N LINE SW 1/4 SAID SEC 725 FT E OF CENTER LINE PRESENT |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 01 |
| Legal Subdivision | UNPLATTED WATERLOO EAST |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1040 |
| Census Tract | 2604 |
Source: Black Hawk County records, as of September 1, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 151 LOWDER RD, WATERLOO, IA 50703-1031 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 27, 2007 · Amount on Record |
| Deed Sale | Jul 27, 2007 · Amount on Record |
| Deed Document Number | 20072008002130 |
| Prior Transfer Date | Jul 23, 2007 |
| Prior Transfer Doc | 2008002130 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Apr 5, 2017 |
| Property Address | 151 LOWDER RD, WATERLOO, IA 50703-1031 |
| Document Number | 201700017401 |
| Instrument Date | Mar 4, 2017 |
| Instrument | 2017-00017401 |
| Transaction Type | Transfer |
| Record Updated | Jul 8, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount from Assessment |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 201700017402 |
|---|---|
| Date | Apr 5, 2017 |
| Instrument | 2017-00017402 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | WATERLOO, IA 50701 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.87% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Apr 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 5.87% |
| Index | 1-Year LIBOR |
| Max Rate | 9.87% |
Source: Black Hawk County assessment roll, as of October 17, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,456.00 (-3.09%) Homeowner's exemption | $229,240 (+3.2%) Land $44,250 Building $184,990 | $229,240 (+3.2%) Land $44,250 Building $184,990 |
| 2024 | $4,598.00 (+39.5%) | ||
| 2023 | $222,140 (+39.72%) Land $44,250 Building $177,890 | $222,140 (+39.72%) Land $44,250 Building $177,890 | |
| 2022 | $3,296.00 Homeowner's exemption | $158,990 Land $44,250 Building $114,740 | |
| 2021 | $158,990 Land $44,250 Building $114,740 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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.
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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