908 Oregon St, Waterloo, IA 50702 Property Records

Black Hawk County property record for 908 Oregon St, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 875 sqft · built 1953
Lot Size	0.187 acres (8,160 sqft)
Owner	2 Individual Names on Record
Last Sale	$133,000 (Mar 2021)
Tax Bill	$2,930 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage Jan 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-36-156-009`

Property Details

APN / Parcel Number

Primary APN	`8913-36-156-009`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	875 sqft Living Area
1st Floor Area	875 sqft
Basement Area	875 sqft
Finished Basement	525 sqft
Unfinished Basement	875 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,160 sqft (0.187 acres)
Lot Dimensions	120 ft deep x 68 ft wide
Garage Type	Detached
Garage Area	352 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	144 sqft
Deck Area	183 sqft
Patio Area	268 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	908 OREGON ST
City	WATERLOO
State	IA
Zip	50702-2509
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FIRST ADD TO RUSSELL HEIGHTS LOT 2 BLK 5
Legal Range	13W
Legal Township	89N
Legal Section	36
Legal Subdivision	FIRST ADD TO RUSSELL HEIGHTS
Legal Block	5
Legal Lot Number	2
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1019
Census Tract	1000

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 Record
Mailing Address	908 OREGON ST, WATERLOO, IA 50702-2509
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2021	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Jan 29, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance GREENSTATE CREDIT UNION
May 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage GREENSTATE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 22, 2021 · Amount on Record
Deed Sale	Mar 22, 2021 · Amount on Record
Prior Sale	Dec 1, 2005 · Amount on Record
Deed Document Number	202119817
Record Updated	Oct 29, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Mar 22, 2021
Property Address	908 OREGON ST, WATERLOO, IA 50702-2509
Document Number	202100019817
Instrument Date	Mar 19, 2021
Instrument	202100019817
Transaction Type	Transfer
Record Updated	Feb 10, 2022
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$212.00
Amount Accuracy	Full Amount Stated
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	908 OREGON ST, WATERLOO, IA 50702-2509

Mortgage

Document Number	202100019818
Date	Mar 22, 2021
Instrument	202100019818

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	908 OREGON ST, WATERLOO, IA 50702-2509
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000013291
Date	Jan 29, 2020
Instrument	202000013291

Lender

Name	GREENSTATE CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	908 OREGON ST, WATERLOO, IA 50702-2509
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000019773
Date	May 13, 2020
Instrument	202000019773

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Feb 1, 2050

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	$2,930.00 (+3.53%) Homeowner's exemption	$154,440 (+9.77%) Land $22,610 Building $131,830	$154,440 (+9.77%) Land $22,610 Building $131,830
2024	$2,830.00 (+23.91%)
2023		$140,690 (+24.68%) Land $22,610 Building $118,080	$140,690 (+24.68%) Land $22,610 Building $118,080
2022	$2,284.00 Homeowner's exemption	$112,840 Land $22,610 Building $90,230
2021			$112,840 Land $22,610 Building $90,230

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 719 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
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130

May also be available: Nextlink.

Nearby Properties on Oregon St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures