1540 Forest Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 1540 Forest Ave, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 700 sqft · built 1939
Lot Size	0.129 acres (5,632 sqft)
Owner	Individual Name on File
Tax Bill	$1,876 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Jul 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`8913-36-106-009`

Property Details

APN / Parcel Number

Primary APN	`8913-36-106-009`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	700 sqft Living Area
1st Floor Area	700 sqft
Basement Area	700 sqft
Finished Basement	150 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,632 sqft (0.129 acres)
Lot Dimensions	128 ft deep x 44 ft wide
Garage Type	Mixed
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area
Patio Area	79 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1540 FOREST AVE
City	WATERLOO
State	IA
Zip	50702-1742
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SHAULIS SUBDIVISION WATERLOO LOT 2
Legal Range	13W
Legal Township	89N
Legal Section	36
Legal Subdivision	SHAULIS SUBDIVISION WATERLOO
Legal Lot Number	2
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1007
Census Tract	1000

Owner

1540 Forest Ave is owned and occupied by an individual.

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	Individual Name on File
Mailing Address	1540 FOREST AVE, WATERLOO, IA 50702-1742
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 8, 2023	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Jul 6, 2020	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1540 FOREST AVE, WATERLOO, IA 50702-1742
Transaction Type	Mortgage
Record Updated	Aug 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1540 FOREST AVE, WATERLOO, IA 50702-1742

Mortgage

Document Number	202400001834
Date	Aug 8, 2023
Instrument	202400001834

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Aug 7, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1540 FOREST AVE, WATERLOO, IA 50702-1742
Transaction Type	Mortgage
Record Updated	Jul 16, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100000283
Date	Jul 6, 2020
Instrument	202100000283

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jul 5, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 1540 Forest Ave was $1,876 with a homeowner's exemption, down 4.9% 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	$1,876.00 (-4.87%) Homeowner's exemption	$102,770 Land $13,870 Building $88,900	$102,770 Land $13,870 Building $88,900
2024	$1,972.00
2023		$101,100 (+35.12%) Land $13,870 Building $87,230	$101,100 Land $13,870 Building $87,230
2022	$1,448.00 Homeowner's exemption	$74,820 Land $13,870 Building $60,950
2021			$74,820 Land $13,870 Building $60,950

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

Flood

FEMA maps place 1540 Forest Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 27, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 1540 Forest Ave 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 719 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 · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130

May also be available: Nextlink.

Nearby Properties on Forest Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures