1908 Paloma Pl, Waterloo, IA 50701 Property Records

Black Hawk County property record for 1908 Paloma Pl, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	2 bd · 4.5 ba · 2,399 sqft · built 2005
Lot Size	0.465 acres (20,250 sqft)
Owner	2 Individual Names on Record
Tax Bill	$8,622 (2025)
Deeds & Mortgages	Feb 2021 Line of Credit Dec 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8813-08-301-066`

Property Details

APN / Parcel Number

Primary APN	`8813-08-301-066`

Interior

Bedrooms	2 Beds
Full Baths	4.5 Baths
Half Baths	3 Half Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,399 sqft Living Area
1st Floor Area	2,399 sqft
Basement Area	2,399 sqft
Finished Basement	675 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	20,250 sqft (0.465 acres)
Lot Dimensions	162 ft deep x 125 ft wide
Garage Type	Attached
Garage Area	858 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	512 sqft
Porch	Slab
Porch Area	56 sqft
Patio Area	926 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1908 PALOMA PL
City	WATERLOO
State	IA
Zip	50701-9587
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AUDUBON HEIGHTS THIRD ADDITION LOT 14
Legal Range	13W
Legal Township	88N
Legal Section	08
Legal Subdivision	AUDUBON HEIGHTS THIRD ADDITION
Legal Lot Number	14
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1052
Census Tract	3001

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	1908 PALOMA PL, WATERLOO, IA 50701-9587
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2021	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Dec 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
Nov 25, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance VERIDIAN CREDIT UNION
Nov 7, 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

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1908 PALOMA PL, WATERLOO, IA 50701-9587
Transaction Type	Mortgage
Record Updated	Feb 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1908 PALOMA PL, WATERLOO, IA 50701-9587

Mortgage

Document Number	202100016823
Date	Feb 9, 2021
Instrument	202100016823

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Feb 8, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1908 PALOMA PL, WATERLOO, IA 50701-9587
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1908 PALOMA PL, WATERLOO, IA 50701-9587

Mortgage

Document Number	202100012755
Date	Dec 15, 2020
Instrument	202100012755

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

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

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1908 PALOMA PL, WATERLOO, IA 50701-9587
Transaction Type	Mortgage
Record Updated	Dec 25, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000009701
Date	Nov 25, 2019
Instrument	202000009701

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1908 PALOMA PL, WATERLOO, IA 50701-9587
Transaction Type	Mortgage
Record Updated	Dec 4, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000008492
Date	Nov 7, 2019
Instrument	202000008492

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

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	$8,622.00 (+3.46%) Homeowner's exemption	$447,930 (+9.77%) Land $71,500 Building $376,430	$447,930 (+9.77%) Land $71,500 Building $376,430
2024	$8,334.00 (-0.93%)
2023		$408,060 (+4.12%) Land $71,500 Building $336,560	$408,060 (+4.12%) Land $71,500 Building $336,560
2022	$8,412.00 Homeowner's exemption	$391,910 Land $71,500 Building $320,410
2021			$391,910 Land $71,500 Building $320,410

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 21 individual policies
Nearby Flood Policies	37 units insured incl. 16 condo units
Nearby Flood Claims	2 (1985–2020)
Most Recent Claim	Jun 2020 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 91% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 218 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: CenturyLink, Nextlink.

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