3535 Loralin Dr, Waterloo, IA 50701 Property Records

Black Hawk County property record for 3535 Loralin Dr, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,388 sqft · built 1967
Lot Size	0.315 acres (13,700 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,394 (2025)
Deeds & Mortgages	Aug 2023 Second Mortgage Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8813-04-303-036`

Property Details

APN / Parcel Number

Primary APN	`8813-04-303-036`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,388 sqft Living Area
1st Floor Area	1,343 sqft
Basement Area	1,343 sqft
Finished Basement	575 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	13,700 sqft (0.315 acres)
Lot Dimensions	100 ft deep x 137 ft wide
Garage Type	Attached
Garage Area	450 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	232 sqft
Deck Area	216 sqft
Patio Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3535 LORALIN DR
City	WATERLOO
State	IA
Zip	50701-4845
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SHERIDAN HEIGHTS ADDITION LOT 26
Legal Range	13W
Legal Township	88N
Legal Section	04
Legal Subdivision	SHERIDAN HEIGHTS ADDITION
Legal Lot Number	26
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	3535 LORALIN DR, WATERLOO, IA 50701-4845
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 15, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VERIDIAN CU
Sep 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	3535 LORALIN DR, WATERLOO, IA 50701-4845
Transaction Type	Mortgage
Record Updated	Aug 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3535 LORALIN DR, WATERLOO, IA 50701-4845

Mortgage

Document Number	202400002248
Date	Aug 15, 2023
Instrument	202400002248

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	120 Months
Due	Aug 25, 2033

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	3535 LORALIN DR, WATERLOO, IA 50701-4845
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3535 LORALIN DR, WATERLOO, IA 50701-4845

Mortgage

Document Number	202100004849
Date	Sep 2, 2020
Instrument	202100004849

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 1, 2035

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	$4,394.00 (+7.75%) Homeowner's exemption	$249,790 (+13.37%) Land $40,990 Building $208,800	$249,790 (+13.37%) Land $40,990 Building $208,800
2024	$4,078.00 (+5.81%)
2023		$220,330 (+19.52%) Land $40,990 Building $179,340	$220,330 (+19.52%) Land $40,990 Building $179,340
2022	$3,854.00 Homeowner's exemption	$184,350 Land $40,990 Building $143,360
2021			$184,350 Land $40,990 Building $143,360

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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