914 Loretta Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 914 Loretta Ave, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,108 sqft · built 1959
Lot Size	0.169 acres (7,345 sqft)
Owner	Individual Name on File
Last Sale	$158,500 (Jun 2026)
Tax Bill	$2,634 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Jun 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`8913-35-455-009`

Property Details

APN / Parcel Number

Primary APN	`8913-35-455-009`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,108 sqft Living Area
1st Floor Area	1,108 sqft
Basement Area	1,108 sqft
Finished Basement	500 sqft
Unfinished Basement	1,108 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable
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	308 sqft
Parking Spaces	1 Parking Space
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	914 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 15
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	LINCOLN HEIGHTS FIRST ADDITION
Legal Lot Number	15
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1027
Census Tract	1200

Owner

914 Loretta Ave is owned and occupied by an individual who bought it in June 2026.

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

Owner of Record	Individual Name on File
Mailing Address	914 LORETTA AVE, WATERLOO, IA 50702-4124
Occupancy	Owner Occupied
Owner Type	Individual

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
Jun 11, 2026	Warranty Deed, Transfer · Conventional Mortgage FREE STATE CREDIT UNION
Jun 11, 2026	Warranty Deed, Transfer · Conventional Mortgage UNION CREDIT UNION
Jun 19, 2023	Warranty Deed, Transfer · Line of Credit FIRST BANK
Sep 1, 2021	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU
Dec 29, 2020	Affidavit of Death of Joint Tenant, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 11, 2026 · Amount on File
Deed Sale	Jun 11, 2026 · Amount on File
Prior Sale	Jun 19, 2023 · Amount on File
Deed Document Number	20268662
Prior Transfer Date	Dec 28, 2021
Prior Transfer Doc	0000013625
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 11, 2026
Property Address	914 LORETTA AVE, WATERLOO, IA 50702-4124
Document Number	0000008662
Instrument Date	Jun 2, 2026
Instrument	20268662
Transaction Type	Transfer
Record Updated	Jun 17, 2026
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$25,532.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	914 LORETTA AVE, WATERLOO, IA 50702-4124

Mortgage

Document Number	0000008663,
Date	Jun 11, 2026
Instrument	20268663

Lender

Name	FREE STATE CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 11, 2026
Property Address	914 LORETTA AVE, WATERLOO, IA 50702-4124
Document Number	0202608662
Instrument Date	Jun 2, 2026
Instrument	20268662
Transaction Type	Transfer
Record Updated	Aug 26, 2026
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$25,532.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	914 LORETTA AVE, WATERLOO, IA 50702-4124

Mortgage

Document Number	0000008663,
Date	Jun 11, 2026
Instrument	20268663

Lender

Name	UNION CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 19, 2023
Property Address	914 LORETTA AVE, WATERLOO, IA 50702-4124
Document Number	202300016965
Instrument Date	Jun 16, 2023
Instrument	202300016965
Transaction Type	Transfer
Record Updated	Jun 22, 2026
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$167.20
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1451 AUDUBON DR, WATERLOO, IA 50701-1203
Investor	Possibly a Property Investor

Mortgage

Document Number	202300017242
Date	Jun 19, 2023
Instrument	202300017242

Lender

Name	FIRST BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 16, 2053

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 1, 2021
Property Address	914 LORETTA AVE, WATERLOO, IA 50702-4124
Document Number	202200004852
Instrument Date	Aug 27, 2021
Instrument	202200004852
Transaction Type	Transfer
Record Updated	Jun 22, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$124.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	914 LORETTA AVE, WASHBURN, IA 50702-4124

Mortgage

Document Number	202200004853
Date	Sep 1, 2021
Instrument	202200004853

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 5, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Sep 5, 2031
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	4.87%
Index	1-Year CMT
Max Rate	8.87%

Mortgage

Document Number	202200004854
Date	Sep 1, 2021
Instrument	202200004854

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	120 Months
Due	Sep 5, 2031

December 2020: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	BLACK HAWK IA
Recording Date	Dec 29, 2020
Property Address	914 LORETTA AVE, WATERLOO, IA 50702-4124
Document Number	202100013625
Instrument Date	Dec 24, 2020
Instrument	202100013625
Transaction Type	Transfer
Record Updated	Jun 22, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	914 LORETTA AVE, WATERLOO, IA 50702-4124

Tax Assessment & Valuation

The 2025 property tax bill for 914 Loretta Ave was $2,634, up 2.7% 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	$2,634.00 (+2.73%)	$129,100 Land $21,160 Building $107,940	$129,100 Land $21,160 Building $107,940
2024	$2,564.00
2023		$118,150 (+17.9%) Land $21,160 Building $96,990	$118,150 Land $21,160 Building $96,990
2022	$2,006.00 (+2.82%) Homeowner's exemption	$100,210 Land $21,160 Building $79,050
2021	$1,951.00		$100,210 Land $21,160 Building $79,050

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

Flood

FEMA maps place 914 Loretta 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	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

The area around 914 Loretta Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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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