Black Hawk County property record for 928 Loretta Ave, Waterloo, IA 50702
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,076 sqft · built 1957 |
| Lot Size | 0.169 acres (7,345 sqft) |
| Owner | Individual Name on File |
| Last Sale | $116,000 (Jul 2016) |
| Tax Bill | $3,290 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 8913-35-455-011 |
| Primary APN | 8913-35-455-011 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,076 sqft Living Area |
| 1st Floor Area | 1,076 sqft |
| Basement Area | 1,076 sqft |
| Finished Basement | 500 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Exterior Material | Aluminum Siding |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Metal |
| Lot Area | 7,345 sqft (0.169 acres) |
| Lot Dimensions | 113 ft deep x 65 ft wide |
| Garage Type | Detached |
| Garage Area | 432 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 195 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 928 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 13 |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 35 |
| Legal Subdivision | LINCOLN HEIGHTS FIRST ADDITION |
| Legal Lot Number | 13 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 1200 |
928 Loretta Ave is owned and occupied by an individual who bought it in July 2016.
Source: Black Hawk County records, as of September 1, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 928 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 21, 2016 · Amount on File |
| Deed Sale | Jul 21, 2016 · Amount on File |
| Prior Sale | Nov 23, 2009 · Amount on File |
| Deed Document Number | 20162017-00001391 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 928 Loretta Ave was $3,290, up 3.3% from the year before.
Source: Black Hawk County assessment roll, as of October 17, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,290.00 (+3.33%) | $161,240 Land $21,160 Building $140,080 | $161,240 Land $21,160 Building $140,080 |
| 2024 | $3,184.00 | ||
| 2023 | $137,630 (+20.22%) Land $21,160 Building $116,470 | $137,630 Land $21,160 Building $116,470 | |
| 2022 | $2,514.00 | $114,480 Land $21,160 Building $93,320 | |
| 2021 | $114,480 Land $21,160 Building $93,320 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 928 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.
The area around 928 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.
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 |
| 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.
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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