818 Loretta Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 818 Loretta Ave, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,044 sqft · built 1958
Lot Size	0.169 acres (7,345 sqft)
Owner	Individual Name on File
Last Sale	$202,000 (Sep 2024)
Tax Bill	$3,458 (2025)
Deeds & Mortgages	Jan 2009 Mortgage Oct 2012 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8913-35-455-003`

Property Details

APN / Parcel Number

Primary APN	`8913-35-455-003`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,044 sqft Living Area
1st Floor Area	1,044 sqft
Basement Area	1,044 sqft
Finished Basement	850 sqft
Unfinished Basement	1,044 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Hip
Roof Material	Asphalt
Lot Area	7,345 sqft (0.169 acres)
Lot Dimensions	113 ft deep x 65 ft wide
Garage Type	Attached
Garage Area	264 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Deck Area	225 sqft
Patio Area	250 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	818 LORETTA AVE
City	WATERLOO
State	IA
Zip	50702-4122
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LINCOLN HEIGHTS FIRST ADDITION LOT 21
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	LINCOLN HEIGHTS FIRST ADDITION
Legal Lot Number	21
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1027
Census Tract	1200

Owner

818 Loretta Ave is owned and occupied by an individual who bought it in September 2024.

Source: Black Hawk County records, as of October 21, 2026

Owner of Record	Individual Name on File
Mailing Address	818 LORETTA AVE, WATERLOO, IA 50702-4122
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
Jan 26, 2009	Deed of Trust, Mortgage · Conventional Mortgage FARMERS STATE BANK
Oct 8, 2012	Deed of Trust, Mortgage · Conventional Mortgage BANKIOWA
Sep 27, 2023	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU
May 4, 2006	Legal Action/Court Order, Foreclosure · Conventional Mortgage COUNTRYWIDE HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 27, 2024 · Amount on File
Deed Sale	Sep 27, 2024 · Amount on File
Prior Sale	Sep 27, 2023 · Amount on File
Deed Document Number	20244318
Record Updated	Oct 29, 2026

January 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	818 LORETTA AVE, WATERLOO, IA 50702-4122
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK COUNTY ABSTRACT &

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2009013648
Date	Jan 26, 2009
Instrument	2009013648

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	FLINT, MI 48501

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2039

October 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	818 LORETTA AVE, WATERLOO, IA 50702-4122
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2012007055
Date	Oct 8, 2012
Instrument	2012007055

Lender

Name	BANKIOWA
Type	Bank
Address	CEDAR FALLS, IA 50613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2032

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 27, 2023
Property Address	818 LORETTA AVE, WATERLOO, IA 50702-4122
Document Number	202400004318
Instrument Date	Sep 25, 2023
Instrument	202400004318
Transaction Type	Transfer
Record Updated	Oct 11, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$322.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	818 LORETTA AVE, WATERLOO, IA 50702-4122

Mortgage

Document Number	202400004319
Date	Sep 27, 2023
Instrument	202400004319

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

Mortgage

Document Number	202400004320
Date	Sep 27, 2023
Instrument	202400004320

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 5, 2038

May 2006: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	BLACK HAWK IA
Recording Date	May 4, 2006
Property Address	818 LORETTA AVE, WATERLOO, IA 50702-4122
Document Number	2006026551
Instrument Date	Apr 14, 2006
Instrument	2006026551
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$155.20
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	818 LORETTA AVE, WATERLOO, IA 50702-4122

Mortgage

Document Number	2006026552
Date	May 4, 2006
Instrument	2006026552

Lender

Name	COUNTRYWIDE HOME LOANS INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 818 Loretta Ave was $3,458 with a homeowner's exemption, up 3.8% 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	$3,458.00 (+3.78%) Homeowner's exemption	$180,370 Land $21,160 Building $159,210	$180,370 Land $21,160 Building $159,210
2024	$3,332.00
2023		$158,930 (+20.37%) Land $21,160 Building $137,770	$158,930 Land $21,160 Building $137,770
2022	$2,704.00 Homeowner's exemption	$132,030 Land $21,160 Building $110,870
2021			$132,030 Land $21,160 Building $110,870

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

Flood

FEMA maps place 818 Loretta Ave in Zone X, an area of minimal flood risk, though there have been 14 flood claims nearby since 1979.

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 Policies	1 in force
Nearby Flood Claims	14 (1979–2018)
Claims Outside the SFHA	3 of 14
Most Recent Claim	Oct 2018 · rainfall accumulation

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 818 Loretta 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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