708 Oregon St, Waterloo, IA 50702 Property Records

Black Hawk County property record for 708 Oregon St, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 992 sqft · built 1953
Lot Size	0.187 acres (8,160 sqft)
Owner	Individual Name on File
Tax Bill	$2,726 (2025)
Deeds & Mortgages	Nov 2021 Second Mortgage Mar 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-36-152-009`

Property Details

APN / Parcel Number

Primary APN	`8913-36-152-009`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	992 sqft Living Area
1st Floor Area	992 sqft
Basement Area	992 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,160 sqft (0.187 acres)
Lot Dimensions	120 ft deep x 68 ft wide
Garage Type	Detached
Garage Area	384 sqft
Parking Spaces	1 Parking Space
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	708 OREGON ST
City	WATERLOO
State	IA
Zip	50702-2433
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FIRST ADD TO RUSSELL HEIGHTS LOT 2 BLK 1
Legal Range	13W
Legal Township	89N
Legal Section	36
Legal Subdivision	FIRST ADD TO RUSSELL HEIGHTS
Legal Block	1
Legal Lot Number	2
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1013
Census Tract	1000

Owner

708 Oregon St is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	708 OREGON ST, WATERLOO, IA 50702-2433
Occupancy	Owner Occupied
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

Date	Document
Nov 3, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VERIDIAN CU
Mar 27, 2017	Deed of Trust, Mortgage VERIDIAN CU
Oct 9, 2017	Deed of Trust, Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	708 OREGON ST, WATERLOO, IA 50702-2433
Transaction Type	Mortgage
Record Updated	Nov 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	708 OREGON ST, WASHBURN, IA 50702-2433

Mortgage

Document Number	202200009586
Date	Nov 3, 2021
Instrument	202200009586

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	Nov 15, 2031

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	708 OREGON ST, WATERLOO, IA 50702-2433
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	BLACK HAWK COUNTY ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700016616
Date	Mar 27, 2017
Instrument	2017-00016616

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Amount	Amount on Record
Term	121 Months
Due	Apr 10, 2027

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	708 OREGON ST, WATERLOO, IA 50702-2433
Transaction Type	Mortgage
Record Updated	Oct 25, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 2018-00006244
Date	Oct 9, 2017
Instrument	2018-00006244

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Amount	Amount on Record
Term	120 Months
Due	Oct 15, 2027

Tax Assessment & Valuation

The 2025 property tax bill for 708 Oregon St was $2,726 with a homeowner's exemption, up 3.4% 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	$2,726.00 (+3.41%) Homeowner's exemption	$144,470 Land $22,610 Building $121,860	$144,470 Land $22,610 Building $121,860
2024	$2,636.00
2023		$131,770 (+25.22%) Land $22,610 Building $109,160	$131,770 Land $22,610 Building $109,160
2022	$2,116.00 Homeowner's exemption	$105,230 Land $22,610 Building $82,620
2021			$105,230 Land $22,610 Building $82,620

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

Flood

FEMA maps place 708 Oregon St 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 708 Oregon St 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 719 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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