215 Frederic Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 215 Frederic Ave, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,506 sqft · built 1928
Lot Size	0.112 acres (4,887 sqft)
Owner	Individual Name on Record
Last Sale	$210,500 (Apr 2026)
Tax Bill	$4,162 (2025)
Deeds & Mortgages	Sep 2019 Refinance Dec 2017 Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`8913-34-277-001`

Property Details

APN / Parcel Number

Primary APN	`8913-34-277-001`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,506 sqft Living Area
1st Floor Area	776 sqft
Basement Area	846 sqft
Unfinished Basement	846 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,887 sqft (0.112 acres)
Lot Dimensions	85 ft deep x 115 ft wide
Patio Area	302 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	215 FREDERIC AVE
City	WATERLOO
State	IA
Zip	50701-4109
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PROSPECT PLACE LOT 183 LOT 184
Legal Range	13W
Legal Township	89N
Legal Section	34
Legal Subdivision	PROSPECT PLACE
Legal Lot Number	183,184
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	4
Census Block	4009
Census Tract	1400

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	Individual Name on Record
Mailing Address	215 FREDERIC AVE, WATERLOO, IA 50701-4109
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FARMERS STATE BANK
Dec 22, 2017	Deed of Trust, Mortgage VERIDIAN CU
Sep 20, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FARMERS STATE BANK
Mar 30, 2010	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Apr 2, 2026	Warranty Deed, Transfer · VA Mortgage ROCKET MORTGAGE LLC
May 24, 2022	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Dec 4, 2017	Warranty Deed, Transfer · ARM VERIDIAN CU
Oct 2, 2012	Warranty Deed, Transfer · Conventional Mortgage FARMERS STATE BANK
Apr 25, 2005	Warranty Deed, Transfer · ARM GMAC MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 2, 2026 · Amount on Record
Deed Sale	Apr 2, 2026 · Amount on Record
Prior Sale	May 24, 2022 · Amount on Record
Deed Document Number	20264405
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	215 FREDERIC AVE, WATERLOO, IA 50701-4109
Transaction Type	Mortgage
Record Updated	Apr 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000005273
Date	Sep 20, 2019
Instrument	202000005273

Lender

Name	FARMERS STATE BANK

Agreement

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

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	215 FREDERIC AVE, WATERLOO, IA 50701-4109
Transaction Type	Mortgage
Record Updated	Apr 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800010871
Date	Dec 22, 2017
Instrument	2018-00010871

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Dec 15, 2027

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	215 FREDERIC AVE, WATERLOO, IA 50701-4109
Transaction Type	Mortgage
Record Updated	Apr 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000005272
Date	Sep 20, 2019
Instrument	202000005272

Lender

Name	FARMERS STATE BANK

Agreement

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

March 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	215 FREDERIC AVE, WATERLOO, IA 50701-4109
Transaction Type	Mortgage
Record Updated	Apr 15, 2026
Title Company	BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK COUNTY ABSTRACT &

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2610017987
Date	Mar 30, 2010
Instrument	2610017987

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2040

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 2, 2026
Property Address	215 FREDERIC AVE, WATERLOO, IA 50701-4109
Document Number	0000004405
Instrument Date	Mar 31, 2026
Instrument	20264405
Transaction Type	Transfer
Record Updated	Apr 9, 2026
Title Company	BLACK HAWK COUNTY ABSTRACT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$33,936.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	215 FREDERIC AVE, WATERLOO, IA 50701-4109

Mortgage

Document Number	0000004407,
Date	Apr 2, 2026
Instrument	20264407

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.01%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 24, 2022
Property Address	215 FREDERIC AVE, WATERLOO, IA 50701-4109
Document Number	202200022845
Instrument Date	May 19, 2022
Instrument	202200022845
Transaction Type	Transfer
Record Updated	Apr 14, 2026
Title Company	TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	215 FREDERIC AVE, WATERLOO, IA 50701-4109

Mortgage

Document Number	202200022846
Date	May 24, 2022
Instrument	202200022846

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Dec 4, 2017
Property Address	215 FREDERIC AVE, WATERLOO, IA 50701-4109
Document Number	201800009655
Instrument Date	Dec 1, 2017
Instrument	2018-00009655
Transaction Type	Transfer
Record Updated	Apr 14, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	215 FREDERIC AVE, WATERLOO, IA 50701-4109

Mortgage

Document Number	201800009656
Date	Dec 4, 2017
Instrument	2018-00009656

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2028
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.87%
Index	1-Year LIBOR
Max Rate	9.87%

October 2012: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 2, 2012
Property Address	215 FREDERIC AVE, WATERLOO, IA 50701-4109
Document Number	2012006773
Instrument Date	Sep 27, 2012
Instrument	2012006773
Transaction Type	Transfer
Record Updated	Apr 14, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$180.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	215 FREDERIC AVE, WATERLOO, IA 50701-4109
Investor	Possibly a Property Investor

Mortgage

Document Number	2012006774
Date	Oct 2, 2012
Instrument	2012006774

Lender

Name	FARMERS STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2042

Mortgage

Document Number	2012006775
Date	Oct 2, 2012
Instrument	2012006775

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	WATERLOO, IA 50702

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Oct 1, 2022

April 2005: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 25, 2005
Property Address	215 FREDERIC AVE, WATERLOO, IA 50701-4109
Document Number	2005024503
Instrument Date	Apr 20, 2005
Instrument	2005024503
Transaction Type	Transfer
Record Updated	Apr 14, 2026
Title Company	BLACK HAWK COUNTY ABSTRACT, BLACK HAWK COUNTY ABSTRACT C

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$175.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	215 FREDERIC AVE, WATERLOO, IA 50701-4109

Mortgage

Document Number	2005024504
Date	Apr 25, 2005
Instrument	2005024504

Lender

Name	GMAC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2035

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Type Change Date	May 1, 2012
Change Frequency	Annually
Min Rate At Change	2.37%
Max Rate At Change	10.3%
Index	1-Year LIBOR
Max Rate	10.3%

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	$4,162.00 (+19.94%) Homeowner's exemption	$214,780 (+26.2%) Land $24,530 Building $190,250	$214,780 (+26.2%) Land $24,530 Building $190,250
2024	$3,470.00 (+11.08%)
2023		$170,190 (+12.63%) Land $24,530 Building $145,660	$170,190 (+12.63%) Land $24,530 Building $145,660
2022	$3,124.00	$151,110 Land $24,530 Building $126,580
2021			$151,110 Land $24,530 Building $126,580

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	1 in force

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 541 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
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink, T-Mobile, Verizon.

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