Black Hawk County property record for 182 Ryter Rd, Waterloo, IA 50703
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,326 sqft · built 1969 |
| Lot Size | 0.74 acres (32,234 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $145,000 (Oct 2008) |
| Tax Bill | $2,614 (2025) |
| Deeds & Mortgages | Dec 2021 Line of Credit Jul 2020 Mortgage + 1 more |
| Flood Zone | Zone A (high risk) |
| APN | 9013-23-427-001 |
| Primary APN | 9013-23-427-001 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Building Area | 1,326 sqft Living Area |
| 1st Floor Area | 1,326 sqft |
| Basement Area | 1,326 sqft |
| Finished Basement | 600 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Architectural Style | Split Foyer |
| Exterior Material | Aluminum Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 32,234 sqft (0.74 acres) |
| Garage Type | Detached |
| Garage Area | 676 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 36 sqft |
| Deck Area | 392 sqft |
| Patio Area | 392 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 182 RYTER RD |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50703-9662 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MORROW HEIGHTS FIRST SUBDIV W 1/2 LOT 1 BLK 4 W 1/2 LOT 2 BLK 4 |
| Legal Range | 13W |
| Legal Township | 90N |
| Legal Section | 23 |
| Legal Subdivision | MORROW HEIGHTS FIRST SUBDIV |
| Legal Block | 4 |
| Legal Lot Number | 1,2 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | MOUNT VERNON |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 2604 |
Source: Black Hawk County records, as of May 27, 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 | 182 RYTER RD, WATERLOO, IA 50703-9662 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 2, 2021 | Deed of Trust, Mortgage · Line of Credit DUPACO COMMUNITY CU |
| Jul 31, 2020 | Deed of Trust, Mortgage · Conventional Mortgage DUPACO COMMUNITY CU |
| Oct 10, 2018 | Deed of Trust, Mortgage VERIDIAN CREDIT UNION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 14, 2008 · Amount on Record |
| Deed Sale | Oct 14, 2008 · Amount on Record |
| Deed Document Number | 20082009007766 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 182 RYTER RD, WATERLOO, IA 50703-9662 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202200011656 |
|---|---|
| Date | Dec 2, 2021 |
| Instrument | 202200011656 |
| Name | DUPACO COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | DUBUQUE, IA 52002 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Dec 1, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 182 RYTER RD, WATERLOO, IA 50703-9662 |
| Transaction Type | Mortgage |
| Record Updated | Aug 14, 2020 |
| Name | Verified Name |
|---|
| Document Number | 202100002412 |
|---|---|
| Date | Jul 31, 2020 |
| Instrument | 202100002412 |
| Name | DUPACO COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | DUBUQUE, IA 52002 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Aug 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 182 RYTER RD, WATERLOO, IA 50703-9662 |
| Transaction Type | Mortgage |
| Record Updated | Oct 31, 2018 |
| Name | Verified Name |
|---|
| Document Number | 201900005909 |
|---|---|
| Date | Oct 10, 2018 |
| Instrument | 201900005909 |
| Name | VERIDIAN CREDIT UNION |
|---|---|
| Type | Credit Union |
| Amount | Amount Recorded |
|---|---|
| Term | 171 Months |
| Due | Jan 1, 2033 |
Source: Black Hawk County assessment roll, as of October 17, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Unified School District | Denver Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,614.00 Homeowner's exemption | $240,120 (+14.81%) Land $52,980 Building $187,140 | $240,120 (+14.81%) Land $52,980 Building $187,140 |
| 2024 | $2,614.00 (+2.11%) | ||
| 2023 | $209,150 (+17.87%) Land $44,150 Building $165,000 | $209,150 (+17.87%) Land $44,150 Building $165,000 | |
| 2022 | $2,560.00 Homeowner's exemption | $177,440 Land $35,320 Building $142,120 | |
| 2021 | $177,440 Land $35,320 Building $142,120 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 27, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 62% of Iowa |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 38 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cedar Falls Utilities Fiber | 10,000 / 10,000 |
| Mediacom Xtream Fiber | 2,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
| CenturyLink DSL | 140 / 20 |
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