908 Western Ave, Waterloo, IA 50702 Property Records

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

Property Summary

Property Type	Triplex
Details	6 bd · 4 ba · 2,385 sqft · built 1914
Lot Size	0.162 acres (7,074 sqft)
Owner	Individual Name on File
Last Sale	$80,000 (Feb 2025)
Tax Bill	$3,338 (2025)
Deeds & Mortgages	Feb 2025 Sale & Line of Credit Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-35-128-003`

Property Details

APN / Parcel Number

Primary APN	`8913-35-128-003`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	2,385 sqft Total Area
1st Floor Area	729 sqft
Attic	Attic
Attic Area	255 sqft
Basement Area	1,109 sqft
Unfinished Basement	1,109 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1914
Effective Year Built	Effective 1914
Architectural Style	Triplex
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,074 sqft (0.162 acres)
Lot Dimensions	131 ft deep x 54 ft wide

Exterior Amenities

Porch	Slab
Porch Area	112 sqft
Deck Area	48 sqft
Patio Area	48 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	908 WESTERN AVE
City	WATERLOO
State	IA
Zip	50702-3036
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Legal Description	BALTIMORE ADDITION WLOO LOT 2 BLK 1
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	BALTIMORE ADDITION
Legal Block	1
Legal Lot Number	2
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1001
Census Tract	1100

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	Individual Name on File
Mailing Address	908 WESTERN AVE, WATERLOO, IA 50702-3036
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 4, 2025	Warranty Deed, Transfer · Line of Credit PEOPLES SAVINGS BANK
Jul 9, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage KERNDT BROTHERS SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 4, 2025 · Amount on File
Deed Sale	Feb 4, 2025 · Amount on File
Prior Sale	Jul 9, 2020 · Amount on File
Deed Document Number	20251527
Record Updated	Oct 29, 2026

February 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Feb 4, 2025
Property Address	908 WESTERN AVE, WATERLOO, IA 50702-3036
Document Number	0202501527
Instrument Date	Jan 30, 2025
Instrument	2025-01527
Transaction Type	Transfer
Record Updated	Oct 21, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$127.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	908 WESTERN AVE # 910, 910, WATERLOO, IA 50702-3036
Investor	Possibly a Property Investor

Mortgage

Document Number	0202501528
Date	Feb 4, 2025
Instrument	2025-01528

Lender

Name	PEOPLES SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Change Frequency	Monthly

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jul 9, 2020
Property Address	908 WESTERN AVE, WATERLOO, IA 50702-3036
Document Number	202100000532
Instrument Date	Jun 26, 2020
Instrument	202100000532
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$111.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3103 BIG WOODS RD, CEDAR FALLS, IA 50613-7611
Investor	Possibly a Property Investor

Mortgage

Document Number	202100000533
Date	Jul 9, 2020
Instrument	202100000533

Lender

Name	KERNDT BROTHERS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

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	$3,338.00 (+63.63%)	$163,580 (+73.87%) Land $17,200 Building $146,380	$163,580 (+73.87%) Land $17,200 Building $146,380
2024	$2,040.00 (+34.74%)
2023		$94,080 (+36.39%) Land $17,200 Building $76,880	$94,080 (+36.39%) Land $17,200 Building $76,880
2022	$1,514.00	$68,980 Land $7,940 Building $61,040
2021			$68,980 Land $7,940 Building $61,040

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2010 · Severe Storms, Flooding, And Tornadoes

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 734 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, T-Mobile, Verizon.

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