3525 Loralin Dr, Waterloo, IA 50701 Property Records

Black Hawk County property record for 3525 Loralin Dr, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,232 sqft · built 1963
Lot Size	0.317 acres (13,800 sqft)
Owner	Individual Name on Record
Last Sale	$8,000 (Jun 2026)
Tax Bill	$4,432 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Mar 2012 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`8813-04-303-001`

Property Details

APN / Parcel Number

Primary APN	`8813-04-303-001`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,232 sqft Living Area
1st Floor Area	1,232 sqft
Basement Area	1,232 sqft
Finished Basement	550 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Exterior Material	Composition/Composite
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,800 sqft (0.317 acres)
Lot Dimensions	100 ft deep x 138 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	16 sqft
Deck Area	195 sqft
Patio Area	272 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3525 LORALIN DR
City	WATERLOO
State	IA
Zip	50701-4845
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SHERIDAN HEIGHTS ADDITION LOT 27
Legal Range	13W
Legal Township	88N
Legal Section	04
Legal Subdivision	SHERIDAN HEIGHTS ADDITION
Legal Lot Number	27
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2007
Census Tract	1302

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	3525 LORALIN DR, WATERLOO, IA 50701-4845
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Mar 13, 2012	Deed of Trust, Mortgage · Stand-Alone First Mortgage DANIEL L RUBENDALL
Mar 17, 2010	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jun 9, 2026	Quit Claim Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 9, 2026	Quit Claim Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 10, 2016	Warranty Deed, Transfer
Jun 29, 2009	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 9, 2026 · Amount on Record
Deed Sale	Jun 9, 2026 · Amount on Record
Prior Sale	Mar 10, 2016 · Amount on Record
Deed Document Number	20268509
Prior Transfer Date	May 21, 2026
Prior Transfer Doc	0202608509
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	3525 LORALIN DR, WATERLOO, IA 50701-4845
Transaction Type	Mortgage
Record Updated	Jun 18, 2026
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200002542
Date	Aug 3, 2021
Instrument	202200002542

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

March 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	3525 LORALIN DR, WATERLOO, IA 50701-4845
Transaction Type	Mortgage
Record Updated	Jun 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2012016783
Date	Mar 13, 2012
Instrument	2012016783

Lender

Name	DANIEL L RUBENDALL
Type	Private Party
Address	765 PROSPECT BLVD, WATERLOO, IA 50701

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	107 Months
Due	Feb 1, 2021

Interest

Rate	1.12%

March 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	3525 LORALIN DR, WATERLOO, IA 50701-4845
Transaction Type	Mortgage
Record Updated	Jun 18, 2026
Title Company	TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2010017177
Date	Mar 17, 2010
Instrument	2010017177

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	07101

Agreement

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

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 9, 2026
Property Address	3525 LORALIN DR, WATERLOO, IA 50701-4845
Document Number	0000008509
Instrument Date	May 21, 2026
Instrument	20268509
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	BLACK HAWK COUNTY ABSTRACT

Transaction

Amount	Amount Recorded
Tax	$1,212.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3525 LORALIN DR, WATERLOO, IA 50701-4845

Mortgage

Document Number	0000008510,
Date	Jun 9, 2026
Instrument	20268510

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 9, 2026
Property Address	3525 LORALIN DR, WATERLOO, IA 50701-4845
Document Number	0202608509
Instrument Date	May 21, 2026
Instrument	20268509
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	BLACK HAWK COUNTY ABSTRACT

Transaction

Amount	Amount Recorded
Tax	$1,212.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3525 LORALIN DR, WATERLOO, IA 50701-4845

Mortgage

Document Number	0000008510,
Date	Jun 9, 2026
Instrument	20268510

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

March 2016: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Mar 10, 2016
Property Address	3525 LORALIN DR, WATERLOO, IA 50701-4845
Document Number	201600015366
Instrument Date	Mar 3, 2016
Instrument	2016-00015366
Transaction Type	Transfer
Record Updated	Jun 18, 2026

Transaction

Amount	Amount Recorded
Tax	$245.60
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	3525 LORALIN DR, WATERLOO, IA 50701-4845
Investor	Possibly a Property Investor

June 2009: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 29, 2009
Property Address	3525 LORALIN DR, WATERLOO, IA 50701-4845
Document Number	2009025563
Instrument Date	Jun 11, 2009
Instrument	2009025563
Transaction Type	Transfer
Record Updated	Jun 18, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

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	$4,432.00 (+7.52%) Homeowner's exemption	$228,090 (+13.92%) Land $41,290 Building $186,800	$228,090 (+13.92%) Land $41,290 Building $186,800
2024	$4,122.00 (+16.51%)
2023		$200,220 (+17.78%) Land $41,290 Building $158,930	$200,220 (+17.78%) Land $41,290 Building $158,930
2022	$3,538.00 Homeowner's exemption	$169,990 Land $41,290 Building $128,700
2021			$169,990 Land $41,290 Building $128,700

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	2 in force
Nearby Flood Claims	2 (2010–2018)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2018 · other causes

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	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 175 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	1,000 / 50
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130

May also be available: Nextlink.

Cell Coverage

5G (outdoors only) and 4G LTE

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