Black Hawk County property record for 831 Loretta Ave, Waterloo, IA 50702
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 924 sqft · built 1958 |
| Lot Size | 0.169 acres (7,345 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $3,184 (2025) |
| Deeds & Mortgages | Mar 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 8913-35-454-025 |
| Primary APN | 8913-35-454-025 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 924 sqft Living Area |
| 1st Floor Area | 924 sqft |
| Basement Area | 924 sqft |
| Finished Basement | 425 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Exterior Material | Vinyl |
| 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 |
| Porch | Porch |
|---|---|
| Porch Area | 288 sqft |
| Deck Area | Deck Area |
| Patio Area | 340 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 831 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 6 |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 35 |
| Legal Subdivision | LINCOLN HEIGHTS FIRST ADDITION |
| Legal Lot Number | 6 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 1200 |
Source: Black Hawk County records, as of September 1, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 831 LORETTA AVE, WATERLOO, IA 50702-4121 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 831 LORETTA AVE, WATERLOO, IA 50702-4121 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202000016599 |
|---|---|
| Date | Mar 26, 2020 |
| Instrument | 202000016599 |
| Name | GREENSTATE CU |
|---|---|
| Type | Credit Union |
| Address | NORTH LIBERTY, IA 52317 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Mar 25, 2025 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Black Hawk County assessment roll, as of October 17, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,184.00 (+3.71%) Homeowner's exemption | $166,900 (+10.01%) Land $21,160 Building $145,740 | $166,900 (+10.01%) Land $21,160 Building $145,740 |
| 2024 | $3,070.00 (+23.49%) | ||
| 2023 | $151,710 (+24.29%) Land $21,160 Building $130,550 | $151,710 (+24.29%) Land $21,160 Building $130,550 | |
| 2022 | $2,486.00 Homeowner's exemption | $122,060 Land $21,160 Building $100,900 | |
| 2021 | $122,060 Land $21,160 Building $100,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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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