815 Forest Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 815 Forest Ave, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,708 sqft · built 1911
Lot Size	0.157 acres (6,858 sqft)
Owner	2 Individual Names on File
Last Sale	$100,500 (Jun 2009)
Tax Bill	$2,886 (2025)
Deeds & Mortgages	May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-35-204-012`

Property Details

APN / Parcel Number

Primary APN	`8913-35-204-012`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,708 sqft Living Area
1st Floor Area	572 sqft
Basement Area	936 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1911
Effective Year Built	Effective 1911
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Metal
Lot Area	6,858 sqft (0.157 acres)
Lot Dimensions	127 ft deep x 54 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	264 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	815 FOREST AVE
City	WATERLOO
State	IA
Zip	50702-3246
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GREENFIELD ADDITION LOT 10 BLK 4
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	GREENFIELD ADDITION
Legal Block	4
Legal Lot Number	10
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2006
Census Tract	1100

Owner

815 Forest Ave is owned and occupied by two individuals who bought it in June 2009.

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

Owner of Record	2 Individual Names on File
Mailing Address	815 FOREST AVE, WATERLOO, IA 50702-3246
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	2 Names on Deed
Last Sale	Jun 30, 2009 · Amount on File
Deed Sale	Jun 30, 2009 · Amount on File
Deed Document Number	200925748
Prior Transfer Date	Jun 26, 2009
Prior Transfer Doc	0000025748
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	815 FOREST AVE, WATERLOO, IA 50702-3246
Transaction Type	Mortgage
Record Updated	Jun 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100024837
Date	May 25, 2021
Instrument	202100024837

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 815 Forest Ave was $2,886 with a homeowner's exemption, up 2% 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	$2,886.00 (+1.98%) Homeowner's exemption	$152,260 Land $17,020 Building $135,240	$152,260 Land $17,020 Building $135,240
2024	$2,830.00
2023		$140,720 (+24.16%) Land $17,020 Building $123,700	$140,720 Land $17,020 Building $123,700
2022	$2,294.00 Homeowner's exemption	$113,340 Land $17,020 Building $96,320
2021			$113,340 Land $17,020 Building $96,320

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

Flood

FEMA maps place 815 Forest Ave 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 AO, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	5 (1979–2013)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Mar 2013 · tidal / storm surge

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 815 Forest 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 645 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

May also be available: GigFire, Nextlink, Verizon.

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