178 Trible Rd, Waterloo, IA 50702 Property Records

Black Hawk County property record for 178 Trible Rd, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,084 sqft · built 1967
Lot Size	0.313 acres (13,640 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,580 (2025)
Deeds & Mortgages	May 2026 Line of Credit May 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8812-07-328-022`

Property Details

APN / Parcel Number

Primary APN	`8812-07-328-022`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	5 Rooms
Building Area	1,084 sqft Living Area
1st Floor Area	1,084 sqft
Basement Area	542 sqft
Finished Basement	500 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	Split Level
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,640 sqft (0.313 acres)
Lot Dimensions	155 ft deep x 72 ft wide
Garage Type	Attached
Garage Area	944 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	448 sqft
Deck Area	Deck Area
Patio Area	218 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	178 TRIBLE RD
City	WATERLOO
State	IA
Zip	50702-4645
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CEDAR TERRACE THIRD ADDITION LOT 156
Legal Range	12W
Legal Township	88N
Legal Section	07
Legal Subdivision	CEDAR TERRACE THIRD ADDITION
Legal Lot Number	156
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1028
Census Tract	2901

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	2 Individual Names on Record
Mailing Address	178 TRIBLE RD, WATERLOO, IA 50702-4645
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 26, 2026	Deed of Trust, Mortgage · Line of Credit VERIDIAN CREDIT UNION
May 26, 2026	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CREDIT UNION
Feb 21, 2024	Deed of Trust, Mortgage · Commercial Mortgage VERIDIAN CU
Apr 26, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance VERIDIAN CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Recording Date	May 26, 2026
Property Address	178 TRIBLE RD, WATERLOO, IA 50702-4645
Document Number	0000007494
Instrument Date	May 19, 2026
Instrument	20267494
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	178 TRIBLE RD, WATERLOO, IA 50702-4645

Mortgage

Document Number	0000007494,
Date	May 26, 2026
Instrument	20267494

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.23%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Recording Date	May 26, 2026
Property Address	178 TRIBLE RD, WATERLOO, IA 50702-4645
Document Number	0000007484
Instrument Date	May 19, 2026
Instrument	20267484
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	178 TRIBLE RD, WATERLOO, IA 50702-4645

Mortgage

Document Number	0000007484,
Date	May 26, 2026
Instrument	20267484

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 10, 2036

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	178 TRIBLE RD, WATERLOO, IA 50702-4645
Transaction Type	Mortgage
Record Updated	Mar 4, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	178 TRIBLE RD, WATERLOO, IA 50702-4645

Mortgage

Document Number	202400010301
Date	Feb 21, 2024
Instrument	202400010301

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	PO BOX 6000, WATERLOO, IA 50704

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	61 Months
Due	Mar 5, 2029

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	178 TRIBLE RD, WATERLOO, IA 50702-4645
Transaction Type	Mortgage
Record Updated	May 22, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900015907
Date	Apr 26, 2019
Instrument	201900015907

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

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	$3,580.00 (-6.77%) Homeowner's exemption	$200,870 (-0.01%) Land $21,290 Building $179,580	$200,870 (-0.01%) Land $21,290 Building $179,580
2024	$3,840.00 (+17.5%)
2023		$200,900 (+27.41%) Land $21,290 Building $179,610	$200,900 (+27.41%) Land $21,290 Building $179,610
2022	$3,268.00 Homeowner's exemption	$157,680 Land $21,290 Building $136,390
2021			$157,680 Land $21,290 Building $136,390

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
Flood Insurance Cost	Premium on Record median of 49 policies
Nearby Flood Policies	49 in force
Nearby Flood Claims	118 (1978–2016)
Claims Outside the SFHA	11 of 118
Most Recent Claim	Sep 2016 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2016 · 39 claims Severe Storms, Flooding, And Tornadoes, Jul 2010 · 14 claims Severe Storms, Tornadoes, And Flooding, Jun 2008 · 51 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	Low lower than 98% of the US · lower than 82% of Iowa
Wildfire Likelihood	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 220 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
GigFire Fixed Wireless	150 / 130

May also be available: T-Mobile.

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