Black Hawk County property record for 320 Frederic Ave, Waterloo, IA 50701
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,448 sqft · built 1921 |
| Lot Size | 0.115 acres (5,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $235,000 (Jul 2025) |
| Tax Bill | $3,154 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Feb 2019 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 8913-34-280-002 |
| Primary APN | 8913-34-280-002 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,448 sqft Living Area |
| 1st Floor Area | 672 sqft |
| Basement Area | 672 sqft |
| Finished Basement | 325 sqft |
| Unfinished Basement | 672 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1921 |
|---|---|
| Effective Year Built | Effective 1921 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Gable |
| Roof Material | Tile |
| Lot Area | 5,000 sqft (0.115 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 144 sqft |
| Patio Area | 320 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 320 FREDERIC AVE |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50701-4112 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PROSPECT PLACE E 50 FT LOT 204 E 50 FT LOT 205 |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 34 |
| Legal Subdivision | PROSPECT PLACE |
| Legal Lot Number | 204,205 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 4 |
| Census Block | 4008 |
| Census Tract | 1400 |
Source: Black Hawk County assessment roll, APN 8913-34-280-002, as of October 17, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 320 FREDERIC AVE, WATERLOO, IA 50701-4112 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 08, 2026 | Deed of Trust, Mortgage · Conventional Mortgage NONE LISTED ON DOCUMENT |
| Feb 05, 2019 | Deed of Trust, Mortgage · Balloon Mortgage UNIVERSITY OF IOWA CREDIT UNION |
| Mar 30, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GREENSTATE CU |
| Mar 30, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GREENSTATE CU |
| Apr 12, 2022 | Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU |
| Feb 04, 2019 | Quit Claim Deed, Transfer · Stand-Alone Refinance UNIVERSITY OF IOWA CREDIT UNION |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 23, 2025 · Amount on Record |
| Deed Sale | Jul 23, 2025 · Amount on Record |
| Prior Sale | Apr 12, 2022 · Amount on Record |
| Deed Document Number | 202510547 |
| Prior Transfer Date | Jan 31, 2019 |
| Prior Transfer Doc | 0000011811 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Jul 08, 2026 |
| Property Address | 320 FREDERIC AVE, WATERLOO, IA 50701-4112 |
| Document Number | 0000010190 |
| Instrument Date | Jul 01, 2026 |
| Instrument | 202610190 |
| Transaction Type | Mortgage |
| Record Updated | Jul 15, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 320 FREDERIC AVE, WATERLOO, IA 50701-4112 |
| Document Number | 0000010190, |
|---|---|
| Date | Jul 08, 2026 |
| Instrument | 202610190 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.48% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 320 FREDERIC AVE, WATERLOO, IA 50701-4112 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2023 |
| Name | Verified Name |
|---|
| Document Number | 201900011928 |
|---|---|
| Date | Feb 05, 2019 |
| Instrument | 201900011928 |
| Name | UNIVERSITY OF IOWA CREDIT UNION |
|---|
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 320 FREDERIC AVE, WATERLOO, IA 50701-4112 |
| Transaction Type | Mortgage |
| Record Updated | Aug 09, 2022 |
| Name | Verified Name |
|---|
| Document Number | 202100020281 |
|---|---|
| Date | Mar 30, 2021 |
| Instrument | 202100020281 |
| Name | GREENSTATE CU |
|---|---|
| Type | Credit Union |
| Address | NORTH LIBERTY, IA 52317 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 05, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 320 FREDERIC AVE, WATERLOO, IA 50701-4112 |
| Transaction Type | Mortgage |
| Record Updated | Aug 09, 2022 |
| Name | Verified Name |
|---|
| Document Number | 202100020280 |
|---|---|
| Date | Mar 30, 2021 |
| Instrument | 202100020280 |
| Name | GREENSTATE CU |
|---|---|
| Type | Credit Union |
| Address | NORTH LIBERTY, IA 52317 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Apr 12, 2022 |
| Property Address | 320 FREDERIC AVE, WATERLOO, IA 50701-4112 |
| Document Number | 202200019964 |
| Instrument Date | Mar 30, 2022 |
| Instrument | 202200019964 |
| Transaction Type | Transfer |
| Record Updated | Aug 09, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $342.40 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 320 FREDERIC AVE, WATERLOO, IA 50701-4112 |
| Document Number | 202200019965 |
|---|---|
| Date | Apr 12, 2022 |
| Instrument | 202200019965 |
| Name | GREENSTATE CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2052 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Feb 04, 2019 |
| Property Address | 320 FREDERIC AVE, WATERLOO, IA 50701-4112 |
| Document Number | 201900011811 |
| Instrument Date | Jan 31, 2019 |
| Instrument | 201900011811 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 320 FREDERIC AVE, WATERLOO, IA 50701-4112 |
| Document Number | 201900011812 |
|---|---|
| Date | Feb 04, 2019 |
| Instrument | 201900011812 |
| Name | UNIVERSITY OF IOWA CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2049 |
Source: Black Hawk County assessment roll as of October 17, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,154.00 Homeowner's exemption | $197,630 (+27.02%) Land $17,600 Building $180,030 | $197,630 (+27.02%) Land $17,600 Building $180,030 |
| 2024 | $3,154.00 (+7.94%) | ||
| 2023 | $155,590 (+9.66%) Land $17,600 Building $137,990 | $155,590 (+9.66%) Land $17,600 Building $137,990 | |
| 2022 | $2,922.00 | $141,880 Land $17,600 Building $124,280 | |
| 2021 | $141,880 Land $17,600 Building $124,280 |
Source: FEMA National Flood Hazard Layer, Black Hawk County (19013C), as of September 27, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 190130014004, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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.
Source: FCC Broadband Data Collection, 541 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Waterloo Telecommunications Utility Fiber | 10,000 / 10,000 |
| Metronet Holdings Fiber | 5,120 / 5,120 |
| Mediacom Communications Cable · Fiber in parts of the area | 1,000 / 50 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: AMG Technology Investment Group, LTD Broadband, T-Mobile USA, Verizon.
Source: EPA Safe Drinking Water Information System, water system IA0790074, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WATERLOO WATER WORKS serves 69,504 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2023 |
| Lead | 2 ppb (2025) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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