815 Oregon St, Waterloo, IA 50702 Property Records

Black Hawk County property record for 815 Oregon St, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 990 sqft · built 1953
Lot Size	0.187 acres (8,160 sqft)
Owner	2 Individual Names on File
Last Sale	$138,000 (Dec 2021)
Tax Bill	$3,314 (2025)
Deeds & Mortgages	Dec 2020 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`8913-36-178-019`

Property Details

APN / Parcel Number

Primary APN	`8913-36-178-019`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	990 sqft Living Area
1st Floor Area	990 sqft
Basement Area	990 sqft
Finished Basement	550 sqft
Unfinished Basement	990 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	8,160 sqft (0.187 acres)
Lot Dimensions	120 ft deep x 68 ft wide
Garage Type	Attached
Garage Area	286 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	65 sqft
Deck Area	96 sqft
Patio Area	105 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	815 OREGON ST
City	WATERLOO
State	IA
Zip	50702-2434
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FIRST ADD TO RUSSELL HEIGHTS LOT 3 BLK 3
Legal Range	13W
Legal Township	89N
Legal Section	36
Legal Subdivision	FIRST ADD TO RUSSELL HEIGHTS
Legal Block	3
Legal Lot Number	3
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1017
Census Tract	1000

Owner

815 Oregon St is owned by two individuals who bought it in December 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	3417 DORAL DR, WATERLOO, IA 50701-4628
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	Dec 2, 2021 · Amount on File
Deed Sale	Dec 2, 2021 · Amount on File
Prior Sale	Dec 2, 2020 · Amount on File
Deed Document Number	202111781
Record Updated	Oct 29, 2026

December 2020: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	BLACK HAWK IA
Recording Date	Dec 2, 2020
Property Address	815 OREGON ST, WATERLOO, IA 50702-2434
Document Number	202100011781
Instrument Date	Dec 1, 2020
Instrument	202100011781
Transaction Type	Foreclosure
Record Updated	Aug 10, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$220.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3417 DORAL DR, WATERLOO, IA 50701-4628

Mortgage

Document Number	202100011782
Date	Dec 2, 2020
Instrument	202100011782

Lender

Name	FARMERS STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 815 Oregon St was $3,314, up 3.2% 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	$3,314.00 (+3.24%)	$162,410 Land $22,610 Building $139,800	$162,410 Land $22,610 Building $139,800
2024	$3,210.00
2023		$147,940 (+24.79%) Land $22,610 Building $125,330	$147,940 Land $22,610 Building $125,330
2022	$2,604.00	$118,550 Land $22,610 Building $95,940
2021			$118,550 Land $22,610 Building $95,940

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

Flood

FEMA maps place 815 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 815 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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