154 Valley Rd, Waterloo, IA 50701 Property Records

Black Hawk County property record for 154 Valley Rd, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,168 sqft · built 1957
Lot Size	0.306 acres (13,340 sqft)
Owner	Individual Name on Record
Last Sale	$150,000 (Sep 2018)
Tax Bill	$3,604 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-21-128-009`

Property Details

APN / Parcel Number

Primary APN	`8913-21-128-009`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,168 sqft Living Area
1st Floor Area	988 sqft
Basement Area	988 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	13,340 sqft (0.306 acres)
Lot Dimensions	145 ft deep x 127 ft wide
Garage Type	Attached
Garage Area	476 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	444 sqft
Deck Area	184 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	154 VALLEY RD
City	WATERLOO
State	IA
Zip	50701-1724
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PLEASANT VALLEY CASTLE HILL LOT 47
Legal Range	13W
Legal Township	89N
Legal Section	21
Legal Subdivision	PLEASANT VALLEY CASTLE HILL
Legal Lot Number	47
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	3
Census Block	3011
Census Tract	1503

Owner

Source: Black Hawk County records, as of May 27, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	154 VALLEY RD, WATERLOO, IA 50701-1724
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage LINCOLN SAVINGS BANK
Sep 25, 2018	Warranty Deed, Transfer VERIDIAN CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 25, 2018 · Amount on Record
Deed Sale	Sep 25, 2018 · Amount on Record
Deed Document Number	2018201900005033
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	154 VALLEY RD, WATERLOO, IA 50701-1724
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100014806
Date	Jan 13, 2021
Instrument	202100014806

Lender

Name	LINCOLN SAVINGS BANK
Type	Bank
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2036

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 25, 2018
Property Address	154 VALLEY RD, WATERLOO, IA 50701-1724
Document Number	201900005033
Instrument Date	Sep 24, 2018
Instrument	201900005033
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	154 VALLEY RD, WATERLOO, IA 50701-1724

Mortgage

Document Number	201900005034
Date	Sep 25, 2018
Instrument	201900005034

Lender

Name	VERIDIAN CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	172 Months
Due	Jan 1, 2033

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	$3,604.00 Homeowner's exemption	$209,600 (+10.28%) Land $34,810 Building $174,790	$209,600 (+10.28%) Land $34,810 Building $174,790
2024	$3,604.00 (+7.26%)
2023		$190,070 (+17.46%) Land $34,810 Building $155,260	$190,070 (+17.46%) Land $34,810 Building $155,260
2022	$3,360.00 Homeowner's exemption	$161,820 Land $34,810 Building $127,010
2021			$161,820 Land $34,810 Building $127,010

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 Claims	1 (2013)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2013 · tidal / storm surge

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 342 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
CenturyLink DSL	140 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

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