906 Loretta Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 906 Loretta Ave, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,158 sqft · built 1957
Lot Size	0.169 acres (7,345 sqft)
Owner	2 Individual Names on File
Last Sale	$166,000 (Apr 2021)
Tax Bill	$3,598 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-35-455-008`

Property Details

APN / Parcel Number

Primary APN	`8913-35-455-008`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,158 sqft Living Area
1st Floor Area	1,158 sqft
Basement Area	1,158 sqft
Finished Basement	425 sqft
Unfinished Basement	1,158 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
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	300 sqft
Parking Spaces	1 Parking Space
Deck Area	Deck Area
Patio Area	160 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	906 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 16
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	LINCOLN HEIGHTS FIRST ADDITION
Legal Lot Number	16
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1027
Census Tract	1200

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	906 LORETTA AVE, WATERLOO, IA 50702-4124
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2021	Warranty Deed, Transfer · Conventional Mortgage BANKIOWA
May 1, 2018	Deed of Trust, Mortgage FIRST SECURITY SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 2, 2021 · Amount on File
Deed Sale	Apr 2, 2021 · Amount on File
Prior Sale	Jun 6, 2007 · Amount on File
Deed Document Number	202120640
Record Updated	Oct 29, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 2, 2021
Property Address	906 LORETTA AVE, WATERLOO, IA 50702-4124
Document Number	202100020640
Instrument Date	Apr 1, 2021
Instrument	202100020640
Transaction Type	Transfer
Record Updated	Feb 10, 2022
Title Company	BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK CNTY ABSTRACT CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$264.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	906 LORETTA AVE, WATERLOO, IA 50702-4124

Mortgage

Document Number	202100020641
Date	Apr 2, 2021
Instrument	202100020641

Lender

Name	BANKIOWA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2036

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	906 LORETTA AVE, WATERLOO, IA 50702-4124
Transaction Type	Mortgage
Record Updated	May 30, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800017765
Date	May 1, 2018
Instrument	201800017765

Lender

Name	FIRST SECURITY SAVINGS BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	176 Months
Due	Jan 1, 2033

Tax Assessment & Valuation

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	$3,598.00 (+3.57%)	$176,300 (+10.06%) Land $21,160 Building $155,140	$176,300 (+10.06%) Land $21,160 Building $155,140
2024	$3,474.00 (+19.3%)
2023		$160,180 (+20.83%) Land $21,160 Building $139,020	$160,180 (+20.83%) Land $21,160 Building $139,020
2022	$2,912.00	$132,570 Land $21,160 Building $111,410
2021			$132,570 Land $21,160 Building $111,410

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

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

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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