1913 Upton Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 1913 Upton Ave, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,040 sqft · built 1969
Lot Size	0.209 acres (9,125 sqft)
Owner	Individual Name on File
Last Sale	$187,000 (Oct 2022)
Tax Bill	$3,478 (2025)
Deeds & Mortgages	Oct 2018 Mortgage Nov 2018 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8913-21-326-009`

Property Details

APN / Parcel Number

Primary APN	`8913-21-326-009`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,040 sqft Living Area
1st Floor Area	1,040 sqft
Basement Area	1,040 sqft
Finished Basement	760 sqft
Unfinished Basement	1,040 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,125 sqft (0.209 acres)
Lot Dimensions	125 ft deep x 73 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Patio Area	528 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1913 UPTON AVE
City	WATERLOO
State	IA
Zip	50701-1714
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CARRIAGE HILL LOT 7
Legal Range	13W
Legal Township	89N
Legal Section	21
Legal Subdivision	CARRIAGE HILL
Legal Lot Number	7
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	3
Census Block	3019
Census Tract	1503

Owner

Source: Black Hawk County assessment roll, as of October 17, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	1913 UPTON AVE, WATERLOO, IA 50701-1714
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2018	Deed of Trust, Mortgage VERIDIAN CREDIT UNION
Nov 30, 2018	Deed of Trust, Mortgage · Stand-Alone Refinance VERIDIAN CREDIT UNION
Dec 2, 2022	Warranty Deed, Transfer
Oct 4, 2021	Warranty Deed, Transfer · VA Mortgage LINCOLN SAVINGS BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 4, 2022 · Amount on Record
Deed Sale	Oct 4, 2022 · Amount on Record
Prior Sale	Oct 4, 2021 · Amount on Record
Deed Document Number	20227324
Prior Transfer Date	Dec 30, 2020
Prior Transfer Doc	0000018061
Record Updated	Sep 20, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1913 UPTON AVE, WATERLOO, IA 50701-1714
Transaction Type	Mortgage
Record Updated	Apr 29, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900006811
Date	Oct 25, 2018
Instrument	201900006811

Lender

Name	VERIDIAN CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	351 Months
Due	Jan 1, 2048

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1913 UPTON AVE, WATERLOO, IA 50701-1714
Transaction Type	Mortgage
Record Updated	Apr 29, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900008541
Date	Nov 30, 2018
Instrument	201900008541

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Dec 1, 2028

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Dec 2, 2022
Property Address	1913 UPTON AVE, WATERLOO, IA 50701-1714
Document Number	202300008596
Instrument Date	Nov 29, 2022
Instrument	202300008596
Transaction Type	Transfer
Record Updated	Apr 29, 2024

Transaction

Amount	Amount Recorded
Tax	$295.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1913 UPTON AVE, WATERLOO, IA 50701-1714

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 4, 2021
Property Address	1913 UPTON AVE, WATERLOO, IA 50701-1714
Document Number	202200007324
Instrument Date	Oct 1, 2021
Instrument	202200007324
Transaction Type	Transfer
Record Updated	Apr 29, 2024
Title Company	BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK CNTY ABSTRACT CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$298.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1913 UPTON AVE, WATERLOO, IA 50701-1714
Investor	Possibly a Property Investor

Mortgage

Document Number	202200007325
Date	Oct 4, 2021
Instrument	202200007325

Lender

Name	LINCOLN SAVINGS BANK
Type	Bank

Agreement

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

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	$3,478.00 Homeowner's exemption	$177,380 (-0.9%) Land $23,010 Building $154,370	$177,380 (-0.9%) Land $23,010 Building $154,370
2024	$3,478.00 (+25.65%)
2023		$178,990 (+29.39%) Land $23,010 Building $155,980	$178,990 (+29.39%) Land $23,010 Building $155,980
2022	$2,768.00	$138,330 Land $23,010 Building $115,320
2021			$138,330 Land $23,010 Building $115,320

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 Claims	1 (2013)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2013 · tidal / storm surge

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	Not rated no burnable land within 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 407 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
CenturyLink DSL	140 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink, Verizon.

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