728 Hope Ave, Waterloo, IA 50703 Property Records

Black Hawk County property record for 728 Hope Ave, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 808 sqft · built 1955
Lot Size	0.149 acres (6,500 sqft)
Owner	Individual Name on File
Last Sale	$60,000 (Sep 2022)
Tax Bill	$1,572 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Aug 2025 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`8913-13-102-018`

Property Details

APN / Parcel Number

Primary APN	`8913-13-102-018`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	808 sqft Living Area
1st Floor Area	808 sqft
Basement Area	808 sqft
Finished Basement	500 sqft
Unfinished Basement	808 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Exterior Material	Other
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,500 sqft (0.149 acres)
Lot Dimensions	130 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	308 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	728 HOPE AVE
City	WATERLOO
State	IA
Zip	50703-2051
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NORTH WATERLOO PLACE LOT 7 BLK 2
Legal Range	13W
Legal Township	89N
Legal Section	13
Legal Subdivision	NORTH WATERLOO PLACE
Legal Block	2
Legal Lot Number	7
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2012
Census Tract	1702

Owner

728 Hope Ave is owned and occupied by an individual who bought it in September 2022.

Source: Black Hawk County records, as of October 9, 2026

Owner of Record	Individual Name on File
Mailing Address	728 HOPE AVE, WATERLOO, IA 50703-2051
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
Oct 3, 2025	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Aug 15, 2025	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Sep 13, 2022	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Apr 25, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage BANK IOWA
Jun 9, 2005	Legal Action/Court Order, Foreclosure · Conventional Mortgage JOHN DEERE COMMUNITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 13, 2022 · Amount on File
Deed Sale	Sep 13, 2022 · Amount on File
Prior Sale	Apr 25, 2019 · Amount on File
Deed Document Number	20224413
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	728 HOPE AVE, WATERLOO, IA 50703-2051
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	728 HOPE AVE, WATERLOO, IA 50703-2051

Mortgage

Document Number	0202514577
Date	Oct 3, 2025
Instrument	2025-14577

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	PO BOX 6000, WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Oct 10, 2035

Interest

Change Frequency	Monthly

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	728 HOPE AVE, WATERLOO, IA 50703-2051
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	728 HOPE AVE, WATERLOO, IA 50703-2051

Mortgage

Document Number	0202511956
Date	Aug 15, 2025
Instrument	2025-11956

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	PO BOX 6000, WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Aug 25, 2035

Interest

Change Frequency	Monthly

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 13, 2022
Property Address	728 HOPE AVE, WATERLOO, IA 50703-2051
Document Number	202300004413
Instrument Date	Sep 9, 2022
Instrument	202300004413
Transaction Type	Transfer
Record Updated	Sep 29, 2022
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$95.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	728 HOPE AVE, WATERLOO, IA 50703-2051

Mortgage

Document Number	202300004414
Date	Sep 13, 2022
Instrument	202300004414

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2037

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Type Change Date	Oct 1, 2032
Change Frequency	Annually
Min Rate At Change	3.37%
Max Rate At Change	7.37%
Index	1-Year CMT
Max Rate	11.3%

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 25, 2019
Property Address	728 HOPE AVE, WATERLOO, IA 50703-2051
Document Number	201900015849
Instrument Date	Apr 18, 2019
Instrument	201900015849
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	728 HOPE AVE, WATERLOO, IA 50703-2051

Mortgage

Document Number	201900015850
Date	Apr 25, 2019
Instrument	201900015850

Lender

Name	BANK IOWA

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

June 2005: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 9, 2005
Property Address	728 HOPE AVE, WATERLOO, IA 50703-2051
Document Number	2005028727
Instrument Date	Jun 8, 2005
Instrument	2005028727
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$81.60
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2126 YORKSHIRE DR, CEDAR FALLS, IA 50613-1649

Mortgage

Document Number	2005028728
Date	Jun 9, 2005
Instrument	2005028728

Lender

Name	JOHN DEERE COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2020

Tax Assessment & Valuation

The 2025 property tax bill for 728 Hope Ave was $1,572, up 20.6% 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	$1,572.00 (+20.55%)	$77,030 Land $9,310 Building $67,720	$77,030 Land $9,310 Building $67,720
2024	$1,304.00
2023		$60,090 (+7.84%) Land $9,310 Building $50,780	$60,090 Land $9,310 Building $50,780
2022	$1,224.00	$55,720 Land $9,310 Building $46,410
2021			$55,720 Land $9,310 Building $46,410

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

Flood

FEMA maps place 728 Hope Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2010.

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 Claims	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2010 · Severe Storms, Flooding, And Tornadoes

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

The area around 728 Hope Ave 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 226 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
CenturyLink DSL · Fiber in parts of the area	140 / 20
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink, T-Mobile.

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