151 Montrose Rd, Waterloo, IA 50701 Property Records

Black Hawk County property record for 151 Montrose Rd, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,805 sqft · built 1950
Lot Size	0.43 acres (18,750 sqft)
Owner	2 Individual Names on File
Last Sale	$240,000 (Nov 2017)
Tax Bill	$6,646 (2025)
Deeds & Mortgages	Nov 2017 Mortgage Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-34-454-011`

Property Details

APN / Parcel Number

Primary APN	`8913-34-454-011`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,805 sqft Living Area
1st Floor Area	1,578 sqft
Basement Area	1,578 sqft
Finished Basement	750 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,750 sqft (0.43 acres)
Lot Dimensions	150 ft deep x 125 ft wide
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Patio Area	368 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	151 MONTROSE RD
City	WATERLOO
State	IA
Zip	50701-4251
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KENYONS ADDITION LOT 66 N 50 FT LOT 67
Legal Range	13W
Legal Township	89N
Legal Section	34
Legal Subdivision	KENYONS ADDITION
Legal Lot Number	66,67
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	5
Census Block	5017
Census Tract	1400

Owner

151 Montrose Rd is owned and occupied by two individuals who bought it in November 2017.

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	2 Individual Names on File
Mailing Address	151 MONTROSE RD, WATERLOO, IA 50701-4251
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2017	Deed of Trust, Mortgage · ARM UNIVERSITY OF IOWA COMMUNITY CU
Nov 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage DAS ACQUISITION
Nov 13, 2017	Warranty Deed, Transfer · Conventional Mortgage UNIVERSITY OF IOWA COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 13, 2017 · Amount on File
Deed Sale	Nov 13, 2017 · Amount on File
Prior Sale	Sep 17, 2007 · Amount on File
Deed Document Number	2017201800008251
Prior Transfer Date	Sep 13, 2007
Prior Transfer Doc	2008006149
Record Updated	Oct 29, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	151 MONTROSE RD, WATERLOO, IA 50701-4251
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800008252
Date	Nov 13, 2017
Instrument	2018-00008252

Lender

Name	UNIVERSITY OF IOWA COMMUNITY CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Nov 5, 2047

Interest

Rate Type	Adjustable Rate
Rate	4%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 5, 2027
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	6%
Index	1-Year CMT
Max Rate	10%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	151 MONTROSE RD, WATERLOO, IA 50701-4251
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100010803
Date	Nov 18, 2020
Instrument	202100010803

Lender

Name	DAS ACQUISITION
Type	Mortgage Company
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 13, 2017
Property Address	151 MONTROSE RD, WATERLOO, IA 50701-4251
Document Number	201800008251
Instrument Date	Oct 25, 2017
Instrument	201800008251
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	151 MONTROSE RD, 151, WATERLOO, IA 50701-4251

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	151 MONTROSE RD, WATERLOO, IA 50701-4251

Mortgage

Document Number	201800008253
Date	Nov 13, 2017
Instrument	2018-00008253

Lender

Name	UNIVERSITY OF IOWA COMMUNITY CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Nov 5, 2027

Tax Assessment & Valuation

The 2025 property tax bill for 151 Montrose Rd was $6,646, up 10.1% 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	$6,646.00 (+10.11%)	$325,690 Land $51,000 Building $274,690	$325,690 Land $51,000 Building $274,690
2024	$6,036.00
2023		$278,270 (+14.42%) Land $51,000 Building $227,270	$278,270 Land $51,000 Building $227,270
2022	$5,342.00	$243,200 Land $51,000 Building $192,200
2021			$243,200 Land $51,000 Building $192,200

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

Flood

FEMA maps place 151 Montrose Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2010.

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	1 in force
Nearby Flood Claims	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2010 · other causes

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

The area around 151 Montrose 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.

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 359 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	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

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