3530 Loralin Dr, Waterloo, IA 50701 Property Records

Black Hawk County property record for 3530 Loralin Dr, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,288 sqft · built 1968
Lot Size	0.293 acres (12,750 sqft)
Owner	2 Individual Names on Record
Last Sale	$230,000 (Feb 2024)
Tax Bill	$3,566 (2025)
Deeds & Mortgages	Jan 2020 Refinance Jul 2014 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`8813-04-301-002`

Property Details

APN / Parcel Number

Primary APN	`8813-04-301-002`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,288 sqft Living Area
1st Floor Area	1,288 sqft
Basement Area	1,288 sqft
Unfinished Basement	1,288 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,750 sqft (0.293 acres)
Lot Dimensions	150 ft deep x 85 ft wide
Garage Type	Attached
Garage Area	452 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	223 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3530 LORALIN DR
City	WATERLOO
State	IA
Zip	50701-4846
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SHERIDAN HEIGHTS ADDITION LOT 55
Legal Range	13W
Legal Township	88N
Legal Section	04
Legal Subdivision	SHERIDAN HEIGHTS ADDITION
Legal Lot Number	55
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2008
Census Tract	1302

Owner

Source: Black Hawk County records, as of May 27, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3530 LORALIN DR, WATERLOO, IA 50701-4846
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 23, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance US BANK NA
Jul 22, 2014	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Oct 6, 2016	Deed of Trust, Mortgage · Line of Credit US BANK NA
Feb 5, 2024	Warranty Deed, Transfer
Oct 6, 2006	Legal Action/Court Order, Foreclosure · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 5, 2024 · Amount on Record
Deed Sale	Feb 5, 2024 · Amount on Record
Prior Sale	Oct 6, 2006 · Amount on Record
Deed Document Number	20249665
Record Updated	Sep 20, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	3530 LORALIN DR, WATERLOO, IA 50701-4846
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000013077
Date	Jan 23, 2020
Instrument	202000013077

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Feb 1, 2030

July 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	3530 LORALIN DR, WATERLOO, IA 50701-4846
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201500001284
Date	Jul 22, 2014
Instrument	201500001284

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 5, 2029

October 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	3530 LORALIN DR, WATERLOO, IA 50701-4846
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700006669
Date	Oct 6, 2016
Instrument	2017-00006669

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Sep 25, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Feb 5, 2024
Property Address	3530 LORALIN DR, WATERLOO, IA 50701-4846
Document Number	202400009665
Instrument Date	Feb 1, 2024
Instrument	202400009665
Transaction Type	Transfer
Record Updated	Feb 23, 2024

Transaction

Amount	Amount Recorded
Tax	$367.20
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	3530 LORALIN DR, WATERLOO, IA 50701-4846

October 2006: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 6, 2006
Property Address	3530 LORALIN DR, WATERLOO, IA 50701-4846
Document Number	2007008163
Instrument Date	Oct 4, 2006
Instrument	2007008163
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026
Title Company	BLACK HAWK COUNTY ABSTRACT, BLACK HAWK COUNTY ABSTRACT C

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$239.20
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3530 LORALIN DR, WATERLOO, IA 50701-4846

Mortgage

Document Number	2007008164
Date	Oct 6, 2006
Instrument	2007008164

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2036

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	$3,566.00 Homeowner's exemption	$213,570 (+13.4%) Land $34,680 Building $178,890	$213,570 (+13.4%) Land $34,680 Building $178,890
2024	$3,566.00 (+9.72%)
2023		$188,340 (+20.09%) Land $34,680 Building $153,660	$188,340 (+20.09%) Land $34,680 Building $153,660
2022	$3,250.00 Homeowner's exemption	$156,830 Land $34,680 Building $122,150
2021			$156,830 Land $34,680 Building $122,150

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 99.1% of the US · lower than 91% 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 268 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
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130

May also be available: Nextlink.

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