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920 Loretta Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 920 Loretta Ave, Waterloo, IA 50702

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,014 sqft · built 1957
Lot Size0.169 acres (7,345 sqft)
Owner2 Individual Names on File
Last Sale$191,000 (Aug 2024)
Tax Bill$2,828 (2025)
Deeds & MortgagesAug 2024 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN8913-35-455-010

Property Details

APN / Parcel Number

Primary APN8913-35-455-010

Interior

Bedrooms3 Beds
Full Baths2 Baths
Half Baths1 Half Bath
Total Rooms6 Rooms
Stories1 Story
Building Area1,014 sqft Living Area
1st Floor Area1,014 sqft
Basement Area1,014 sqft
Finished Basement525 sqft
Unfinished Basement1,014 sqft
FlooringCarpet
Interior WallsPlaster

Exterior

Year BuiltBuilt 1957
Effective Year BuiltEffective 1957
Exterior MaterialVinyl
Construction TypeFrame
Roof TypeHip
Roof MaterialAsphalt
Lot Area7,345 sqft (0.169 acres)
Lot Dimensions113 ft deep x 65 ft wide
Garage TypeAttached
Garage Area374 sqft
Parking Spaces1 Parking Space
Deck AreaDeck Area
Patio Area594 sqft
Shed1 Shed

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Street Address920 LORETTA AVE
CityWATERLOO
StateIA
Zip50702-4124
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLINCOLN HEIGHTS FIRST ADDITION LOT 14
Legal Range13W
Legal Township89N
Legal Section35
Legal SubdivisionLINCOLN HEIGHTS FIRST ADDITION
Legal Lot Number14
JurisdictionBLACK HAWK IA
Township / Civil DivisionWATERLOO
Census Block Group1
Census Block1027
Census Tract1200

Owner

Source: Black Hawk County assessment roll, as of October 17, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address920 LORETTA AVE, WATERLOO, IA 50702-4124
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 6, 2024 · Amount on Record
Deed SaleAug 6, 2024 · Amount on Record
Prior SaleNov 1, 2005 · Amount on Record
Deed Document Number202418346
Prior Transfer DateOct 28, 2005
Prior Transfer Doc2006011470
Record UpdatedSep 20, 2026

August 2024: Deed, Transfer

Document TypeDeed
JurisdictionBLACK HAWK IA
Recording DateAug 6, 2024
Property Address920 LORETTA AVE, WATERLOO, IA 50702-4124
Document Number0202418346
Instrument DateAug 2, 2024
Instrument2024-18346
Transaction TypeTransfer
Record UpdatedOct 17, 2025

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$304.80
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address920 LORETTA AVE, WATERLOO, IA 50702-4124

Mortgage

Document Number0202418347
DateAug 6, 2024
Instrument2024-18347
Lender
NameVERIDIAN CU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2054

Tax Assessment & Valuation

Source: Black Hawk County assessment roll, as of October 17, 2025

Property Jurisdictions

TypeName
StateIowa
CountyBlack Hawk County
MunicipalityWaterloo City
Unified School DistrictWaterloo Community School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,828.00 Homeowner's exemption$173,640 (+23.55%) Land $21,160 Building $152,480$173,640 (+23.55%) Land $21,160 Building $152,480
2024$2,828.00 (+18.82%)
2023$140,540 (+19.83%) Land $21,160 Building $119,380$140,540 (+19.83%) Land $21,160 Building $119,380
2022$2,380.00 Homeowner's exemption$117,280 Land $21,160 Building $96,120
2021$117,280 Land $21,160 Building $96,120

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 in force
Nearby Flood Claims14 (1979–2018)
Claims Outside the SFHA3 of 14
Most Recent ClaimOct 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

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

Wildfire RiskNot rated
no burnable land within ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemWATERLOO WATER WORKS
serves 69,504 people · EPA ID IA0790074
Water SourceGroundwater
Last State InspectionNov 2023
Lead2 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax Down / Up (Mbps)
Waterloo Telecommunications Utility
Fiber		10,000 / 10,000
Metronet Holdings
Fiber		5,120 / 5,120
Mediacom Communications
Cable · Fiber in parts of the area		1,000 / 50

May also be available: AMG Technology Investment Group, LTD Broadband, Verizon.

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