908 Cataract Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 908 Cataract Ave, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,170 sqft · built 1959
Lot Size	0.255 acres (11,100 sqft)
Owner	2 Individual Names on File
Last Sale	$210,000 (Mar 2026)
Tax Bill	$3,754 (2025)
Deeds & Mortgages	Jan 2005 Line of Credit Sep 2015 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`8813-03-181-010`

Property Details

APN / Parcel Number

Primary APN	`8813-03-181-010`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,170 sqft Living Area
1st Floor Area	1,170 sqft
Basement Area	1,170 sqft
Finished Basement	700 sqft
Unfinished Basement	1,170 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,100 sqft (0.255 acres)
Lot Dimensions	148 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	338 sqft
Parking Spaces	1 Parking Space
Patio Area	96 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	908 CATARACT AVE
City	WATERLOO
State	IA
Zip	50702-5125
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CRESTVIEW FIRST ADDITION LOT 139
Legal Range	13W
Legal Township	88N
Legal Section	03
Legal Subdivision	CRESTVIEW FIRST ADDITION
Legal Lot Number	139
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1018
Census Tract	1301

Owner

908 Cataract Ave is owned and occupied by two individuals who bought it in March 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	407 OHIO ST, MESERVEY, IA 50457-8716
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jan 10, 2005	Deed of Trust, Mortgage · Line of Credit UNION PLANTERS BANK NA
Sep 28, 2015	Deed of Trust, Mortgage · Commercial Mortgage REGIONS BANK
Mar 3, 2026	Warranty Deed, Transfer BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK CNTY ABSTRACT & T
Jun 7, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage VERIDIAN CREDIT UNION
Aug 16, 2016	Intrafamily Transfer, Transfer
Aug 16, 2016	Intrafamily Transfer, Transfer · Commercial Mortgage MIDWESTONE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 3, 2026 · Amount on File
Deed Sale	Mar 3, 2026 · Amount on File
Prior Sale	Jun 7, 2019 · Amount on File
Deed Document Number	20262724
Prior Transfer Date	Jul 22, 2016
Prior Transfer Doc	201700003123
Record Updated	Oct 29, 2026

January 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	908 CATARACT AVE, WATERLOO, IA 50702-5125
Transaction Type	Mortgage
Record Updated	Mar 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2005016592
Date	Jan 10, 2005
Instrument	2005016592

Lender

Name	UNION PLANTERS BANK NA
Type	Bank
Address	WATERLOO, IA 50703

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Dec 10, 2014

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	908 CATARACT AVE, WATERLOO, IA 50702-5125
Transaction Type	Mortgage
Record Updated	Mar 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201600005975
Date	Sep 28, 2015
Instrument	2016-00005975

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	84 Months
Due	Sep 16, 2022

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Mar 3, 2026
Property Address	908 CATARACT AVE, WATERLOO, IA 50702-5125
Document Number	0202602724
Instrument Date	Feb 27, 2026
Instrument	2026-02724
Transaction Type	Transfer
Record Updated	Mar 11, 2026
Title Company	BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK CNTY ABSTRACT & T

Transaction

Amount	Amount on Record
Tax	$335.20
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	407 OHIO ST, MESERVEY, IA 50457-8716

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 7, 2019
Property Address	908 CATARACT AVE, WATERLOO, IA 50702-5125
Document Number	201900018475
Instrument Date	Jun 3, 2019
Instrument	201900018475
Transaction Type	Transfer
Record Updated	Mar 11, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	908 CATARACT AVE, WATERLOO, IA 50702-5125

Mortgage

Document Number	201900018476
Date	Jun 7, 2019
Instrument	201900018476

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

August 2016: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BLACK HAWK IA
Recording Date	Aug 16, 2016
Property Address	908 CATARACT AVE, WATERLOO, IA 50702-5125
Document Number	201700003123
Instrument Date	Jul 22, 2016
Instrument	2017-00003123
Transaction Type	Transfer
Record Updated	Mar 11, 2026

Transaction

Amount	Amount on Record
Tax	$224.80
Amount Accuracy	Rounded by County
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	908 CATARACT AVE, WATERLOO, IA 50702-5125

August 2016: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BLACK HAWK IA
Recording Date	Aug 16, 2016
Property Address	908 CATARACT AVE, WATERLOO, IA 50702-5125
Document Number	201700003123
Instrument Date	Jul 22, 2016
Instrument	2017-00003123
Transaction Type	Transfer
Record Updated	Feb 6, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$224.80
Amount Accuracy	Rounded by County
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	908 CATARACT AVE, WATERLOO, IA 50702-5125

Mortgage

Document Number	201700003124
Date	Aug 16, 2016
Instrument	2017-00003124

Lender

Name	MIDWESTONE BANK
Type	Bank
Address	CEDAR FALLS, IA 50613

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	108 Months
Due	Aug 15, 2025

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 908 Cataract Ave was $3,754 with a homeowner's exemption, up 0.6% 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	$3,754.00 (+0.59%) Homeowner's exemption	$194,860 Land $26,780 Building $168,080	$194,860 Land $26,780 Building $168,080
2024	$3,732.00
2023		$182,290 (+24.5%) Land $26,780 Building $155,510	$182,290 Land $26,780 Building $155,510
2022	$3,020.00 Homeowner's exemption	$146,420 Land $26,780 Building $119,640
2021			$146,420 Land $26,780 Building $119,640

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

Flood

FEMA maps place 908 Cataract Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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	6 (1979–1990)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Jun 1990 · river or lake flooding

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

Wildfire risk around 908 Cataract Ave is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 71% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 345 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, T-Mobile, Verizon.

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