810 Rose Ln, Waterloo, IA 50702 Property Records

Black Hawk County property record for 810 Rose Ln, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,144 sqft · built 1973
Lot Size	0.275 acres (12,000 sqft)
Owner	Individual Name on File
Last Sale	$157,500 (Mar 2021)
Tax Bill	$2,406 (2025)
Deeds & Mortgages	Mar 2021 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`8812-07-401-002`

Property Details

APN / Parcel Number

Primary APN	`8812-07-401-002`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,144 sqft Living Area
1st Floor Area	1,144 sqft
Basement Area	1,144 sqft
Finished Basement	700 sqft
Unfinished Basement	1,144 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,000 sqft (0.275 acres)
Lot Dimensions	150 ft deep x 80 ft wide
Garage Type	Mixed
Garage Area	1,056 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	810 ROSE LN
City	WATERLOO
State	IA
Zip	50702-4637
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CEDAR TERRACE FOURTH ADDITION CEDAR TOWNSHIP LOT 11
Legal Range	12W
Legal Township	88N
Legal Section	07
Legal Subdivision	CEDAR TERRACE FOURTH ADDITION
Legal Lot Number	11
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR
Census Block Group	1
Census Block	1026
Census Tract	2901

Owner

810 Rose Ln is owned and occupied by an individual who bought it in March 2021.

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

Owner of Record	Individual Name on File
Mailing Address	810 ROSE LN, WATERLOO, IA 50702-4637
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 1, 2021 · Amount on File
Deed Sale	Mar 1, 2021 · Amount on File
Deed Document Number	202118177
Record Updated	Oct 29, 2026

March 2021: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	BLACK HAWK IA
Recording Date	Mar 1, 2021
Property Address	810 ROSE LN, WATERLOO, IA 50702-4637
Document Number	202100018177
Instrument Date	Feb 23, 2021
Instrument	202100018177
Transaction Type	Foreclosure
Record Updated	Feb 10, 2022
Title Company	TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$251.20
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	810 ROSE LN, WASHBURN, IA 50702-4637

Mortgage

Document Number	202100018178
Date	Mar 1, 2021
Instrument	202100018178

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 810 Rose Ln was $2,406 with a homeowner's exemption, down 12.5% 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
Unified School District	Waterloo Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,406.00 (-12.51%) Homeowner's exemption	$201,220 Land $20,400 Building $180,820	$201,220 Land $20,400 Building $180,820
2024	$2,750.00
2023		$215,320 (+34.01%) Land $20,400 Building $194,920	$215,320 Land $20,400 Building $194,920
2022	$2,044.00 Homeowner's exemption	$160,670 Land $20,400 Building $140,270
2021			$160,670 Land $20,400 Building $140,270

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

Flood

FEMA maps place 810 Rose Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 49 policies
Nearby Flood Policies	49 in force
Nearby Flood Claims	118 (1978–2016)
Claims Outside the SFHA	11 of 118
Most Recent Claim	Sep 2016 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2016 · 39 claims Severe Storms, Flooding, And Tornadoes, Jul 2010 · 14 claims Severe Storms, Tornadoes, And Flooding, Jun 2008 · 51 claims

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

Wildfire risk around 810 Rose Ln is low, with less than a 0.01% annual chance of 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 220 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: T-Mobile.

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