821 Oregon St, Waterloo, IA 50702 Property Records

Black Hawk County property record for 821 Oregon St, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,108 sqft · built 1953
Lot Size	0.187 acres (8,160 sqft)
Owner	2 Individual Names on File
Last Sale	$100,000 (Apr 2005)
Tax Bill	$3,162 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Aug 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-36-178-018`

Property Details

APN / Parcel Number

Primary APN	`8913-36-178-018`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,108 sqft Living Area
1st Floor Area	1,108 sqft
Basement Area	1,108 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	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	821 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 4 BLK 3
Legal Range	13W
Legal Township	89N
Legal Section	36
Legal Subdivision	FIRST ADD TO RUSSELL HEIGHTS
Legal Block	3
Legal Lot Number	4
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1017
Census Tract	1000

Owner

821 Oregon St is owned by two individuals who bought it in April 2005.

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

Owner of Record	2 Individual Names on File
Mailing Address	204 ELM ST, JANESVILLE, IA 50647-7759
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
Jun 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage COLLINS COMMUNITY CU
Aug 31, 2017	Deed of Trust, Mortgage · ARM COLLINS COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 18, 2005 · Amount on File
Deed Sale	Apr 18, 2005 · Amount on File
Deed Document Number	200523902
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	821 OREGON ST, WATERLOO, IA 50702-2434
Transaction Type	Mortgage
Record Updated	Jul 1, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000021972
Date	Jun 15, 2020
Instrument	202000021972

Lender

Name	COLLINS COMMUNITY CU
Type	Credit Union
Address	CEDAR RAPIDS, IA 52402

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	821 OREGON ST, WATERLOO, IA 50702-2434
Transaction Type	Mortgage
Record Updated	Sep 19, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 2018-00003848
Date	Aug 31, 2017
Instrument	2018-00003848

Lender

Name	COLLINS COMMUNITY CU
Type	Credit Union
Address	Cedar Rapids, IA 52402

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2024
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	6.5%
Index	1-Year CMT
Max Rate	10.5%

Tax Assessment & Valuation

The 2025 property tax bill for 821 Oregon St was $3,162, up 3.3% 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	$3,162.00 (+3.27%)	$154,940 Land $22,610 Building $132,330	$154,940 Land $22,610 Building $132,330
2024	$3,062.00
2023		$141,150 (+25.71%) Land $22,610 Building $118,540	$141,150 Land $22,610 Building $118,540
2022	$2,466.00 Homeowner's exemption	$112,280 Land $22,610 Building $89,670
2021			$112,280 Land $22,610 Building $89,670

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

Flood

FEMA maps place 821 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 821 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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