1742 E Ridgeway Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 1742 E Ridgeway Ave, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 988 sqft · built 1959
Lot Size	0.413 acres (18,000 sqft)
Owner	Individual Name on Record
Last Sale	$123,000 (Oct 2018)
Tax Bill	$3,378 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Dec 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8813-02-126-009`

Property Details

APN / Parcel Number

Primary APN	`8813-02-126-009`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	988 sqft Living Area
1st Floor Area	988 sqft
Basement Area	988 sqft
Finished Basement	700 sqft
Unfinished Basement	988 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	18,000 sqft (0.413 acres)
Lot Dimensions	300 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Deck Area	440 sqft
Patio Area	280 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1742 E RIDGEWAY AVE
City	WATERLOO
State	IA
Zip	50702-3528
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORANGE PARK W 60 FT E 395.67 FT N 330 FT NW FRL EXC HWY
Legal Range	13W
Legal Township	88N
Legal Section	02
Legal Subdivision	ORANGE PARK
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1001
Census Tract	900

Owner

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	Individual Name on Record
Mailing Address	1742 E RIDGEWAY AVE, WATERLOO, IA 50702-3528
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2022	Deed of Trust, Mortgage · Line of Credit DUPACO COMMUNITY CU
Dec 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage MIDWESTONE BANK
Oct 5, 2018	Warranty Deed, Transfer DUPACO COMMUNITY CREDIT UNION
Dec 20, 2017	Special Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 5, 2018 · Amount on Record
Deed Sale	Oct 5, 2018 · Amount on Record
Prior Sale	Dec 20, 2017 · Amount on Record
Deed Document Number	2018201900005692
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1742 E RIDGEWAY AVE, WATERLOO, IA 50702-3528
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202300000846
Date	Jul 15, 2022
Instrument	202300000846

Lender

Name	DUPACO COMMUNITY CU
Type	Credit Union
Address	DUBUQUE, IA 52002

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jul 14, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1742 E RIDGEWAY AVE, WATERLOO, IA 50702-3528
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800010914
Date	Dec 27, 2017
Instrument	2018-00010914

Lender

Name	MIDWESTONE BANK
Type	Bank
Address	CEDAR FALLS, IA 50613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jan 18, 2038

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 5, 2018
Property Address	1742 E RIDGEWAY AVE, WATERLOO, IA 50702-3528
Document Number	201900005692
Instrument Date	Sep 27, 2018
Instrument	201900005692
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	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1742 E RIDGEWAY AVE, WATERLOO, IA 50702-3528

Mortgage

Document Number	201900005693
Date	Oct 5, 2018
Instrument	201900005693

Lender

Name	DUPACO COMMUNITY CREDIT UNION

Agreement

Amount	Amount Recorded
Term	351 Months
Due	Jan 1, 2048

December 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Dec 20, 2017
Property Address	1742 E RIDGEWAY AVE, WATERLOO, IA 50702-3528
Document Number	201800010638
Instrument Date	Dec 11, 2017
Instrument	2018-00010638
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount Recorded
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	1742 E RIDGEWAY AVE, WATERLOO, IA 50702-3528

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	$3,378.00 (-4.95%) Homeowner's exemption	$176,390 (+1.33%) Land $25,200 Building $151,190	$176,390 (+1.33%) Land $25,200 Building $151,190
2024	$3,554.00 (+30.28%)
2023		$174,080 (+30.81%) Land $25,200 Building $148,880	$174,080 (+30.81%) Land $25,200 Building $148,880
2022	$2,728.00 Homeowner's exemption	$133,080 Land $25,200 Building $107,880
2021			$133,080 Land $25,200 Building $107,880

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 Policies	1 in force
Nearby Flood Claims	7 (1979–2010)
Claims Outside the SFHA	1 of 7
Most Recent Claim	Jul 2010 · Severe Storms, Flooding, And Tornadoes
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2008 · 3 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

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 479 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

May also be available: GigFire, Nextlink.

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