819 Loretta Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 819 Loretta Ave, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,088 sqft · built 1959
Lot Size	0.169 acres (7,345 sqft)
Owner	2 Individual Names on File
Last Sale	$117,000 (Apr 2010)
Tax Bill	$3,272 (2025)
Deeds & Mortgages	Feb 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`8913-35-454-027`

Property Details

APN / Parcel Number

Primary APN	`8913-35-454-027`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,088 sqft Living Area
1st Floor Area	1,088 sqft
Basement Area	1,088 sqft
Finished Basement	250 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Exterior Material	Aluminum Siding
Construction Type	Frame
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	364 sqft
Parking Spaces	1 Parking Space
Deck Area	141 sqft
Patio Area	441 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	819 LORETTA AVE
City	WATERLOO
State	IA
Zip	50702-4121
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LINCOLN HEIGHTS FIRST ADDITION LOT 4
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	LINCOLN HEIGHTS FIRST ADDITION
Legal Lot Number	4
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1028
Census Tract	1200

Owner

819 Loretta Ave is owned and occupied by two individuals who bought it in April 2010.

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

Owner of Record	2 Individual Names on File
Mailing Address	819 LORETTA AVE, WATERLOO, IA 50702-4121
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	Apr 8, 2010 · Amount on File
Deed Sale	Apr 8, 2010 · Amount on File
Deed Document Number	201018758
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	819 LORETTA AVE, WATERLOO, IA 50702-4121
Transaction Type	Mortgage
Record Updated	Feb 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202300011172
Date	Feb 8, 2023
Instrument	202300011172

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Feb 7, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 819 Loretta Ave was $3,272 with a homeowner's exemption, up 3.5% 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
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	$3,272.00 (+3.54%) Homeowner's exemption	$171,200 Land $21,160 Building $150,040	$171,200 Land $21,160 Building $150,040
2024	$3,160.00
2023		$155,880 (+20.4%) Land $21,160 Building $134,720	$155,880 Land $21,160 Building $134,720
2022	$2,648.00 Homeowner's exemption	$129,470 Land $21,160 Building $108,310
2021			$129,470 Land $21,160 Building $108,310

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

Flood

FEMA maps place 819 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 819 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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