827 E Ridgeway Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 827 E Ridgeway Ave, Waterloo, IA 50702 · Last verified June 2026

Property Highlights

Property Type	Residential > Multi-Unit > Duplex
Bedrooms	5 Beds
Bathrooms	3 Baths
Year Built	Built 1960
Square Footage	1,844 sqft Total Area
Lot Size	16,017 sqft (0.368 acres)
Occupancy	Owner Occupied
Last Sale	$244,000 (2021)
Tax Bill	$5,040.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`8913-35-457-022`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Partial Baths	2 Partial Baths
Total Rooms	12 Rooms
Building Area	1,844 sqft Total Area
1st Floor	1,652 sqft 1st Floor
Basement Area	1,652 sqft Basement
Finished Basement	650 sqft Finished
Unfinished Basement	1,652 sqft Unfinished
Game Room	Game Room
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Plaster Interior Structure
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Duplex Single Style
Exterior Material	Vinyl Exterior
Construction Type	Frame Construction
Roof Construction	Hip Roof Construction
Roof Material	Asphalt Roof
Lot Area	16,017 sqft (0.368 acres)
Depth X Width	215 ft x 74 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Attached Garage
Garage Area	550 sqft Garage

Exterior Amenities

Shed	1 Shed
Deck Area	132 sqft Deck
Patio Area	299 sqft Patio
Porch Area	36 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	827 E RIDGEWAY AVE
City	WATERLOO
State	IA
Zip	50702-4155
Property Usage	Residential Property Usage
Type	Residential > Multi-Unit > Duplex
Legal Description	UNPLATTED WLOO WEST S 248 FT OF THAT PART SE 1/4 SEC 35 T 89 R 13 COM AT PT 223.7 FT E OF SW COR SE SAID SEC TH N TO PT 30 FT
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	UNPLATTED WLOO WEST
Legal Block	10
Jurisdiction	BLACK HAWK IA
Minor Civil Division	WATERLOO
Census Blockgroup	1
Census Block	1026
Census Tract	1200

Owner

Source: Black Hawk County records · APN 8913-35-457-022

Assessment roll updated October 17, 2025 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	827 E RIDGEWAY AVE, WATERLOO, IA 50702-4155
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
Apr 05, 2021	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU
Jun 08, 2020	Warranty Deed, Transfer · Line of Credit FARMERS STATE BANK
Nov 13, 2018	Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 05, 2021 · Amount on Record
Deed Sale	Apr 05, 2021 · Amount on Record
Prior Sale	Jun 08, 2020 · Amount on Record
Record Refreshed	Sep 20, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 05, 2021
Property Address	827 E RIDGEWAY AVE, WATERLOO, IA 50702-4155
Document Number	202100020697
Instrument Date	Mar 16, 2021
Instrument	202100020697
Transaction Type	Transfer
Record Updated	Nov 17, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$389.60
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenant/Joint Tenant w/ Right Of Survivorship
Address	827 E RIDGEWAY AVE # 829, 829, WATERLOO, IA 50702-4155

Mortgage

Document Number	202100020698
Date	Apr 05, 2021
Instrument	202100020698

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 05, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Apr 05, 2031
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	5.37%
Index	1-Year CMT
Max Rate	9.37%

Mortgage

Document Number	202100020699
Date	Apr 05, 2021
Instrument	202100020699

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	118 Months
Due	Feb 05, 2031

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 08, 2020
Property Address	827 E RIDGEWAY AVE, WATERLOO, IA 50702-4155
Document Number	202000021539
Instrument Date	May 06, 2020
Instrument	202000021539
Transaction Type	Transfer
Record Updated	Nov 17, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$343.20
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1105 W 2ND ST, CEDAR FALLS, IA 50613-2229

Mortgage

Document Number	202000021540
Date	Jun 08, 2020
Instrument	202000021540

Lender

Name	FARMERS STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 04, 2050

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 13, 2018
Property Address	827 E RIDGEWAY AVE, WATERLOO, IA 50702-4155
Document Number	201900007660
Instrument Date	Oct 30, 2018
Instrument	201900007660
Transaction Type	Transfer
Record Updated	Nov 17, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	829 -827 E RIDGEWAT, WATERLOO, IA 50702

Mortgage

Document Number	201900007661
Date	Nov 13, 2018
Instrument	201900007661

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	350 Months
Due	Jan 01, 2048

Tax Assessment & Valuation

Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified June 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,040.00 Homeowner's exemption	$267,340 (+10.22%) Land $29,140 Building $238,200	$267,340 (+10.22%) Land $29,140 Building $238,200
2024	$5,040.00 (+21.74%)
2023		$242,560 (+22.91%) Land $29,140 Building $213,420	$242,560 (+22.91%) Land $29,140 Building $213,420
2022	$4,140.00 Homeowner's exemption	$197,350 Land $29,140 Building $168,210
2021			$197,350 Land $29,140 Building $168,210

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Black Hawk County (19013C), updated September 27, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

827 E Ridgeway Ave, Waterloo, IA 50702 Property Records

Property Highlights

Property Details

APN / Parcel Number

Interior

Exterior

Exterior Amenities

Utilities and HVAC

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

April 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

Mortgage

Lender

Agreement

June 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

November 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

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