900 Loretta Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 900 Loretta Ave, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 924 sqft · built 1958
Lot Size	0.169 acres (7,345 sqft)
Owner	Individual Name on File
Last Sale	$178,000 (Dec 2023)
Tax Bill	$2,982 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Aug 2020 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-35-455-007`

Property Details

APN / Parcel Number

Primary APN	`8913-35-455-007`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	924 sqft Living Area
1st Floor Area	924 sqft
Basement Area	924 sqft
Unfinished Basement	924 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

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	390 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	20 sqft
Patio Area	512 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	900 LORETTA AVE
City	WATERLOO
State	IA
Zip	50702-4124
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LINCOLN HEIGHTS FIRST ADDITION LOT 17
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	LINCOLN HEIGHTS FIRST ADDITION
Legal Lot Number	17
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1027
Census Tract	1200

Owner

900 Loretta Ave is owned and occupied by an individual who bought it in December 2023.

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

Owner of Record	Individual Name on File
Mailing Address	900 LORETTA AVE, WATERLOO, IA 50702-4124
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
Dec 19, 2022	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Aug 20, 2020	Deed of Trust, Mortgage · Construction Mortgage BANKLOWN
Jul 17, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 19, 2023 · Amount on File
Deed Sale	Dec 19, 2023 · Amount on File
Prior Sale	Dec 19, 2022 · Amount on File
Deed Document Number	20239259
Record Updated	Oct 29, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Dec 19, 2022
Property Address	900 LORETTA AVE, WATERLOO, IA 50702-4124
Document Number	202300009259
Instrument Date	Dec 16, 2022
Instrument	202300009259
Transaction Type	Transfer
Record Updated	Jan 2, 2023
Title Company	TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$284.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	900 LORETTA AVE, WASHBURN, IA 50702-4124
Investor	Possibly a Property Investor

Mortgage

Document Number	202300009260
Date	Dec 19, 2022
Instrument	202300009260

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

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

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	900 LORETTA AVE, WATERLOO, IA 50702-4124
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	900 LORETTA AVE, WATERLOO, IA 50702-4124

Mortgage

Document Number	202100003747
Date	Aug 20, 2020
Instrument	202100003747

Lender

Name	BANKLOWN
Type	Non-Lending Institution
Address	WATERLOO, IA 50702

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 19, 2050

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jul 17, 2020
Property Address	900 LORETTA AVE, WATERLOO, IA 50702-4124
Document Number	202100001277
Instrument Date	Jul 17, 2020
Instrument	202100001277
Transaction Type	Transfer
Record Updated	Nov 17, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	900 LORETTA AVE, WASHBURN, IA 50702-4124

Tax Assessment & Valuation

The 2025 property tax bill for 900 Loretta Ave was $2,982 with a homeowner's exemption, up 3.6% 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	$2,982.00 (+3.61%) Homeowner's exemption	$157,030 Land $21,160 Building $135,870	$157,030 Land $21,160 Building $135,870
2024	$2,878.00
2023		$139,820 (+19.87%) Land $21,160 Building $118,660	$139,820 Land $21,160 Building $118,660
2022	$2,562.00	$116,640 Land $21,160 Building $95,480
2021			$116,640 Land $21,160 Building $95,480

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

Flood

FEMA maps place 900 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 900 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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