180 Lowder Rd, Waterloo, IA 50703 Property Records

Black Hawk County property record for 180 Lowder Rd, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,196 sqft · built 1956
Lot Size	0.826 acres (36,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$129,000 (May 2013)
Tax Bill	$4,038 (2025)
Deeds & Mortgages	May 2017 Mortgage Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8913-01-302-014`

Property Details

APN / Parcel Number

Primary APN	`8913-01-302-014`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	3 Half Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,196 sqft Living Area
1st Floor Area	1,196 sqft
Basement Area	1,196 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Exterior Material	Brick
Construction Type	Brick
Roof Type	Hip
Roof Material	Asphalt
Lot Area	36,000 sqft (0.826 acres)
Lot Dimensions	360 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	1,112 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	110 sqft
Deck Area	210 sqft
Patio Area	60 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	180 LOWDER RD
City	WATERLOO
State	IA
Zip	50703-1041
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNPLATTED WLOO EAST THAT PART OF SW SEC 1 T 89 R 13 LYING WITHIN THE FOL DES BOUNDARIES COM AT A PT WHICH IS 1100 FT E OF THE
Legal Range	13W
Legal Township	89N
Legal Section	01
Legal Subdivision	UNPLATTED WLOO EAST
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1040
Census Tract	2604

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	180 LOWDER RD, WATERLOO, IA 50703-1041
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 12, 2017	Deed of Trust, Mortgage · ARM UNIVERSITY OF IOWA COMMUNITY CU
Oct 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage GREENSTATE CU
May 12, 2017	Warranty Deed, Transfer
May 12, 2017	Deed, Transfer · Conventional Mortgage UNIVERSITY OF IOWA COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 2013 · Amount on Record
Deed Sale	May 17, 2013 · Amount on Record
Deed Document Number	201323946
Record Updated	Oct 29, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	180 LOWDER RD, WATERLOO, IA 50703-1041
Transaction Type	Mortgage
Record Updated	Mar 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700019747
Date	May 12, 2017
Instrument	2017-00019747

Lender

Name	UNIVERSITY OF IOWA COMMUNITY CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 5, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 5, 2022
Change Frequency	Annually
Min Rate At Change	4.87%
Max Rate At Change	5.5%
Index	1-Year CMT
Max Rate	9.5%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	180 LOWDER RD, WATERLOO, IA 50703-1041
Transaction Type	Mortgage
Record Updated	Mar 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200008473
Date	Oct 19, 2021
Instrument	202200008473

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 12, 2017
Property Address	180 LOWDER RD, WATERLOO, IA 50703-1041
Document Number	201700019745
Instrument Date	May 7, 2017
Instrument	2017-00019745
Transaction Type	Transfer
Record Updated	Mar 18, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration 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	180 LOWDER RD, WATERLOO, IA 50703-1041
Investor	Possibly a Property Investor

May 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 12, 2017
Property Address	180 LOWDER RD, WATERLOO, IA 50703-1041
Document Number	201700019746
Instrument Date	May 7, 2017
Instrument	2017-00019746
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration 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	180 LOWDER RD, WATERLOO, IA 50703-1041
Investor	Possibly a Property Investor

Mortgage

Document Number	201700019748
Date	May 12, 2017
Instrument	2017-00019748

Lender

Name	UNIVERSITY OF IOWA COMMUNITY CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	73 Months
Due	Jun 5, 2023

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	$4,038.00 (-3.99%) Homeowner's exemption	$208,710 (+2.25%) Land $31,000 Building $177,710	$208,710 (+2.25%) Land $31,000 Building $177,710
2024	$4,206.00 (+50.43%)
2023		$204,120 (+49.9%) Land $31,000 Building $173,120	$204,120 (+49.9%) Land $31,000 Building $173,120
2022	$2,796.00 Homeowner's exemption	$136,170 Land $31,000 Building $105,170
2021			$136,170 Land $31,000 Building $105,170

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	2 in force
Nearby Flood Claims	21 (1979–2016)
Claims Outside the SFHA	1 of 21
Most Recent Claim	Sep 2016 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2016 · 5 claims Severe Storms, Tornadoes, And Flooding, Jun 2008 · 5 claims Severe Storms & Flooding, Jul 1993 · 4 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 99.8% of the US · lower than 98.1% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 31 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
GigFire Fixed Wireless	150 / 130
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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