910 Reed St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 910 Reed St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 832 sqft · built 1958
Lot Size	0.231 acres (10,050 sqft)
Owner	2 Individual Names on Record
Last Sale	$56,000 (Nov 2012)
Tax Bill	$1,520 (2025)
Deeds & Mortgages	Jan 2015 Mortgage Nov 2012 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`8913-14-230-015`

Property Details

APN / Parcel Number

Primary APN	`8913-14-230-015`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	832 sqft Living Area
1st Floor Area	832 sqft
Basement Area	832 sqft
Finished Basement	350 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	10,050 sqft (0.231 acres)
Lot Dimensions	134 ft deep x 75 ft wide
Garage Type	Detached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Patio Area	36 sqft
Shed	1 Shed
Shed Area	28 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	910 REED ST
City	WATERLOO
State	IA
Zip	50703-1941
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ALLEN HEIGHTS ADDITION LOT 85 N 1/2 LOT 86
Legal Range	13W
Legal Township	89N
Legal Section	14
Legal Subdivision	ALLEN HEIGHTS ADDITION
Legal Lot Number	85,86
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1031
Census Tract	1702

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	910 REED ST, WATERLOO, IA 50703-1941
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2015	Deed of Trust, Mortgage VERIDIAN CU
Nov 26, 2012	Legal Action/Court Order, Foreclosure · FHA Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 26, 2012 · Amount on Record
Deed Sale	Nov 26, 2012 · Amount on Record
Deed Document Number	20122013010703
Record Updated	Oct 29, 2026

January 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	910 REED ST, WATERLOO, IA 50703-1941
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201500011975
Date	Jan 26, 2015
Instrument	201500011975

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Amount	Amount Recorded
Term	121 Months
Due	Feb 5, 2025

November 2012: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 26, 2012
Property Address	910 REED ST, WATERLOO, IA 50703-1941
Document Number	2013010703
Instrument Date	Nov 10, 2012
Instrument	2013010703
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026
Title Company	BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK COUNTY ABSTRACT &

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$88.80
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	910 REED ST, WATERLOO, IA 50703-1941
Investor	Possibly a Property Investor

Mortgage

Document Number	2013010704
Date	Nov 26, 2012
Instrument	2013010704

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2042

Interest

Type Change Date	Oct 1, 2022

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	$1,520.00 (-21.97%) Homeowner's exemption	$99,980 (-0.07%) Land $14,850 Building $85,130	$99,980 (-0.07%) Land $14,850 Building $85,130
2024	$1,948.00 (+39.74%)
2023		$100,050 (+38.27%) Land $14,850 Building $85,200	$100,050 (+38.27%) Land $14,850 Building $85,200
2022	$1,394.00 Homeowner's exemption	$72,360 Land $14,850 Building $57,510
2021			$72,360 Land $14,850 Building $57,510

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 Policies	1 in force
Nearby Flood Claims	2 (1999–2008)
Most Recent Claim	Apr 2008 · 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 226 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
CenturyLink DSL · Fiber in parts of the area	140 / 20
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink, T-Mobile.

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