1745 Seneca Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 1745 Seneca Ave, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 864 sqft · built 1953
Lot Size	0.151 acres (6,580 sqft)
Owner	2 Individual Names on File
Last Sale	$91,000 (Jan 2021)
Tax Bill	$2,322 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Aug 2019 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8913-28-128-002`

Property Details

APN / Parcel Number

Primary APN	`8913-28-128-002`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	864 sqft Living Area
1st Floor Area	864 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,580 sqft (0.151 acres)
Lot Dimensions	94 ft deep x 70 ft wide
Garage Type	Detached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	72 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1745 SENECA AVE
City	WATERLOO
State	IA
Zip	50701-3212
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ALABAR HILLS LOT 8 BLK 5
Legal Range	13W
Legal Township	89N
Legal Section	28
Legal Subdivision	ALABAR HILLS
Legal Block	5
Legal Lot Number	8
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1035
Census Tract	1502

Owner

1745 Seneca Ave is owned and occupied by two individuals who bought it in January 2021.

Source: Black Hawk County records, as of September 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1745 SENECA AVE, WATERLOO, IA 50701-3212
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2026	Deed of Trust, Mortgage · Line of Credit DUPACO COMMUNITY CREDIT UNION
Aug 23, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance GREENSTATE CREDIT UNION
Aug 23, 2019	Deed of Trust, Mortgage · ARM GREENSTATE CREDIT UNION
Jan 11, 2021	Warranty Deed, Transfer TITLE SERVICES CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 11, 2021 · Amount on File
Deed Sale	Jan 11, 2021 · Amount on File
Deed Document Number	202114558
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 3, 2026
Property Address	1745 SENECA AVE, WATERLOO, IA 50701-3212
Document Number	0000008110
Instrument Date	Jun 3, 2026
Instrument	20268110
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	1745 SENECA AVE, WATERLOO, IA 50701-3212

Mortgage

Document Number	0000008110,
Date	Jun 3, 2026
Instrument	20268110

Lender

Name	DUPACO COMMUNITY CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1745 SENECA AVE, WATERLOO, IA 50701-3212
Transaction Type	Mortgage
Record Updated	Feb 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000003518
Date	Aug 23, 2019
Instrument	202000003518

Lender

Name	GREENSTATE CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Sep 1, 2029

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1745 SENECA AVE, WATERLOO, IA 50701-3212
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000003517
Date	Aug 23, 2019
Instrument	202000003517

Lender

Name	GREENSTATE CREDIT UNION

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.3%
Type Change Date	Aug 5, 2029
Index	1-Year CMT

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jan 11, 2021
Property Address	1745 SENECA AVE, WATERLOO, IA 50701-3212
Document Number	202100014558
Instrument Date	Jan 3, 2021
Instrument	202100014558
Transaction Type	Transfer
Record Updated	Feb 10, 2022
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount on Record
Tax	$144.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1745 SENECA AVE, WATERLOO, IA 50701-3212

Tax Assessment & Valuation

The 2025 property tax bill for 1745 Seneca Ave was $2,322 with a homeowner's exemption, up 4% 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	$2,322.00 (+4.03%) Homeowner's exemption	$124,670 Land $16,360 Building $108,310	$124,670 Land $16,360 Building $108,310
2024	$2,232.00
2023		$113,110 (+18.17%) Land $16,360 Building $96,750	$113,110 Land $16,360 Building $96,750
2022	$1,908.00 Homeowner's exemption	$95,720 Land $16,360 Building $79,360
2021			$95,720 Land $16,360 Building $79,360

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

Flood

FEMA maps place 1745 Seneca Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2014.

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 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2014 · rainfall accumulation

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 1745 Seneca 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 452 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
GigFire Fixed Wireless	150 / 130
CenturyLink DSL	140 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink, T-Mobile, Verizon.

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