231 Hillside Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 231 Hillside Ave, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,293 sqft · built 1938
Lot Size	0.153 acres (6,650 sqft)
Owner	Individual Name on File
Last Sale	$107,000 (Jun 2005)
Tax Bill	$2,976 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Mar 2026 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-34-283-009`

Property Details

APN / Parcel Number

Primary APN	`8913-34-283-009`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,293 sqft Living Area
1st Floor Area	892 sqft
Attic	Attic
Attic Area	401 sqft
Basement Area	892 sqft
Finished Basement	170 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,650 sqft (0.153 acres)
Lot Dimensions	133 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	231 HILLSIDE AVE
City	WATERLOO
State	IA
Zip	50701-4123
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PROSPECT PLACE LOT 218
Legal Range	13W
Legal Township	89N
Legal Section	34
Legal Subdivision	PROSPECT PLACE
Legal Lot Number	218
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	4
Census Block	4017
Census Tract	1400

Owner

231 Hillside Ave is owned and occupied by an individual who acquired it in March 2006.

Source: Black Hawk County records, as of September 1, 2026

Owner of Record	Individual Name on File
Mailing Address	231 HILLSIDE AVE, WATERLOO, IA 50701-4123
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2025	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Mar 5, 2026	Warranty Deed, Transfer
Jun 14, 2005	Warranty Deed, Transfer · Conventional Mortgage AMERICAS WHOLESALE LENDER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 14, 2005 · Amount on File
Deed Sale	Jun 14, 2005 · Amount on File
Deed Document Number	200529035
Last Transfer Date	Mar 20, 2006
Transfer Doc	0000024657
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	231 HILLSIDE AVE, WATERLOO, IA 50701-4123
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	231 HILLSIDE AVE, WATERLOO, IA 50701-4123

Mortgage

Document Number	0202513303
Date	Sep 11, 2025
Instrument	2025-13303

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	PO BOX 6000, WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	24 Months
Due	Sep 10, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Mar 5, 2026
Property Address	231 HILLSIDE AVE, WATERLOO, IA 50701-4123
Document Number	0202602878
Map Reference	DOC 2007-23155
Instrument Date	Mar 4, 2026
Instrument	2026-02878
Transaction Type	Transfer
Record Updated	Mar 13, 2026

Transaction

Amount	Amount on Record
Tax	$351.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	231 HILLSIDE AVE, WATERLOO, IA 50701-4123

June 2005: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 14, 2005
Property Address	231 HILLSIDE AVE, WATERLOO, IA 50701-4123
Document Number	2005029035
Instrument Date	Jun 10, 2005
Instrument	2005029035
Transaction Type	Transfer
Record Updated	Mar 13, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$170.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	231 HILLSIDE AVE, WATERLOO, IA 50701-4123

Mortgage

Document Number	2005029036
Date	Jun 14, 2005
Instrument	2005029036

Lender

Name	AMERICAS WHOLESALE LENDER
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 231 Hillside Ave was $2,976 with a homeowner's exemption, up 18.1% from the year before.

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	$2,976.00 (+18.1%) Homeowner's exemption	$156,730 Land $19,800 Building $136,930	$156,730 Land $19,800 Building $136,930
2024	$2,520.00
2023		$126,350 (+14.61%) Land $19,800 Building $106,550	$126,350 Land $19,800 Building $106,550
2022	$2,226.00 Homeowner's exemption	$110,240 Land $19,800 Building $90,440
2021			$110,240 Land $19,800 Building $90,440

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 231 Hillside Ave in Zone X, an area of minimal flood risk.

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

Wildfire risk around 231 Hillside Ave is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 82% 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 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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