232 Reber Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 232 Reber Ave, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,344 sqft · built 1909
Lot Size	0.122 acres (5,310 sqft)
Owner	Individual Name on File
Last Sale	$85,000 (Nov 2023)
Tax Bill	$2,370 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-27-435-028`

Property Details

APN / Parcel Number

Primary APN	`8913-27-435-028`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,344 sqft Living Area
1st Floor Area	672 sqft
Basement Area	672 sqft
Unfinished Basement	672 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	5,310 sqft (0.122 acres)
Lot Dimensions	118 ft deep x 45 ft wide
Garage Type	Detached
Garage Area	352 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	160 sqft
Deck Area	198 sqft
Patio Area	198 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	232 REBER AVE
City	WATERLOO
State	IA
Zip	50701-2755
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AUD FRANCIS WEST SIDE PLAT LOT 12
Legal Range	13W
Legal Township	89N
Legal Section	27
Legal Subdivision	AUD FRANCIS WEST SIDE PLAT
Legal Lot Number	12
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	3
Census Block	3006
Census Tract	1400

Owner

232 Reber Ave is owned by an individual who bought it in November 2023.

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

Owner of Record	Individual Name on File
Mailing Address	1302 AMELIA DR, CEDAR FALLS, IA 50613-7974
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 4, 2023 · Amount on File
Deed Sale	Nov 4, 2023 · Amount on File
Prior Sale	Nov 4, 2022 · Amount on File
Deed Document Number	20237291
Record Updated	Oct 29, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 4, 2022
Property Address	232 REBER AVE, WATERLOO, IA 50701-2755
Document Number	202300007291
Instrument Date	Oct 25, 2022
Instrument	202300007291
Transaction Type	Transfer
Record Updated	Nov 21, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$135.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 REBER AVE, WATERLOO, IA 50701-2755
Investor	Possibly a Property Investor

Mortgage

Document Number	202300007292
Date	Nov 4, 2022
Instrument	202300007292

Lender

Name	DUPACO COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Dec 1, 2027
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	11.7%
Index	1-Year T-Bill
Max Rate	11.7%

Tax Assessment & Valuation

The 2025 property tax bill for 232 Reber Ave was $2,370, up 6.2% 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	$2,370.00 (+6.18%)	$116,140 Land $12,690 Building $103,450	$116,140 Land $12,690 Building $103,450
2024	$2,232.00
2023		$102,540 (+10.26%) Land $12,690 Building $89,850	$102,540 Land $12,690 Building $89,850
2022	$2,042.00 Homeowner's exemption	$93,000 Land $12,690 Building $80,310
2021			$93,000 Land $12,690 Building $80,310

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

Flood

FEMA maps place 232 Reber Ave in Zone X, an area of minimal flood risk.

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

The area around 232 Reber Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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 690 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
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink, Verizon.

Nearby Properties on Reber Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures