1908 W 11th St, Waterloo, IA 50702 Property Records

Black Hawk County property record for 1908 W 11th St, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,485 sqft · built 1955
Lot Size	0.349 acres (15,200 sqft)
Owner	2 Individual Names on Record
Last Sale	$139,000 (Jul 2013)
Tax Bill	$4,340 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Feb 2024 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-36-354-019`

Property Details

APN / Parcel Number

Primary APN	`8913-36-354-019`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,485 sqft Living Area
1st Floor Area	1,485 sqft
Basement Area	1,485 sqft
Unfinished Basement	1,485 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	15,200 sqft (0.349 acres)
Lot Dimensions	152 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	176 sqft
Deck Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1908 W 11TH ST
City	WATERLOO
State	IA
Zip	50702-3543
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNPLATTED WLOO WEST N 100 FT S 257 FT W 151.5 FT E 181.5 FT SW SW SW SEC 36 T 89 R 13
Legal Range	13W
Legal Township	89N
Legal Section	36
Legal Subdivision	UNPLATTED WLOO WEST
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	4
Census Block	4017
Census Tract	1000

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 W 11TH ST, WATERLOO, IA 50702-3543
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage FARMERS STATE BANK
Feb 14, 2024	Warranty Deed, Transfer · Line of Credit STATE BANK OF TOLEDO
Jun 13, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2013 · Amount on Record
Deed Sale	Jul 12, 2013 · Amount on Record
Deed Document Number	20132014001005
Last Transfer Date	Oct 11, 2021
Transfer Doc	0000024098
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1908 W 11TH ST, WATERLOO, IA 50702-3543
Transaction Type	Mortgage
Record Updated	Mar 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100009615
Date	Nov 3, 2020
Instrument	202100009615

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Feb 14, 2024
Property Address	1908 W 11TH ST, WATERLOO, IA 50702-3543
Document Number	202400010066
Instrument Date	Feb 9, 2024
Instrument	202400010066
Transaction Type	Transfer
Record Updated	Oct 17, 2025

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$298.40
Amount Accuracy	Rounded by County
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	1908 W 11TH ST, WATERLOO, IA 50702-3543

Mortgage

Document Number	202400010144
Date	Feb 14, 2024
Instrument	202400010144

Lender

Name	STATE BANK OF TOLEDO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	11 Months
Due	Jan 9, 2025

Interest

Change Frequency	Monthly

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 13, 2022
Property Address	1908 W 11TH ST, WATERLOO, IA 50702-3543
Document Number	202200024098
Instrument Date	Oct 11, 2021
Instrument	202200024098
Transaction Type	Transfer
Record Updated	Mar 1, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1908 W 11TH ST, WATERLOO, IA 50702-3543

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	$4,340.00 (-3.68%)	$223,580 (+7.66%) Land $35,700 Building $187,880	$223,580 (+7.66%) Land $35,700 Building $187,880
2024	$4,506.00 (+24.13%)
2023		$207,670 (+19.21%) Land $35,700 Building $171,970	$207,670 (+19.21%) Land $35,700 Building $171,970
2022	$3,630.00 Homeowner's exemption	$174,200 Land $35,700 Building $138,500
2021			$174,200 Land $35,700 Building $138,500

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	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 645 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 · Fiber in parts of the area	1,000 / 50

May also be available: GigFire, Nextlink, Verizon.

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