Black Hawk County property record for 1020 Nancy Rd, Waterloo, IA 50701
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4.5 ba · 2,576 sqft · built 1984 |
| Lot Size | 0.301 acres (13,130 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $392,000 (Mar 2026) |
| Tax Bill | $8,768 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Mar 2026 Sale & Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 8813-04-455-017 |
| Primary APN | 8813-04-455-017 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 3 Half Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,576 sqft Living Area |
| 1st Floor Area | 1,064 sqft |
| Basement Area | 1,512 sqft |
| Finished Basement | 850 sqft |
| Unfinished Basement | 1,512 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,130 sqft (0.301 acres) |
| Lot Dimensions | 130 ft deep x 101 ft wide |
| Garage Type | Attached |
| Garage Area | 1,080 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 404 sqft |
| Deck Area | 224 sqft |
| Patio Area | 224 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 1020 NANCY RD |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50701-5228 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GRANGERS SECOND ADDITION LOT 110 |
| Legal Range | 13W |
| Legal Township | 88N |
| Legal Section | 04 |
| Legal Subdivision | GRANGERS SECOND ADDITION |
| Legal Lot Number | 110 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 1302 |
Source: Black Hawk County records, as of September 1, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1020 NANCY RD, WATERLOO, IA 50701-5228 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| May 20, 2026 | Deed of Trust, Mortgage · Conventional Mortgage FREE STATE CREDIT UNION |
| Mar 18, 2026 | Warranty Deed, Transfer · Stand-Alone Second Mortgage GREENSTATE CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 18, 2026 · Amount on Record |
| Deed Sale | Mar 18, 2026 · Amount on Record |
| Deed Document Number | 20263449 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | May 20, 2026 |
| Property Address | 1020 NANCY RD, WATERLOO, IA 50701-5228 |
| Document Number | 0000007290 |
| Instrument Date | Mar 2, 2026 |
| Instrument | 20267290 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1020 NANCY RD, WATERLOO, IA 50701-5228 |
| Document Number | 0000007290, |
|---|---|
| Date | May 20, 2026 |
| Instrument | 20267290 |
| Name | FREE STATE CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 1, 2041 |
| Rate | 5.49% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Mar 18, 2026 |
| Property Address | 1020 NANCY RD, WATERLOO, IA 50701-5228 |
| Document Number | 0202603449 |
| Instrument Date | Feb 24, 2026 |
| Instrument | 2026-03449 |
| Transaction Type | Transfer |
| Record Updated | Mar 31, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $626.40 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1020 NANCY RD, WATERLOO, IA 50701-5228 |
| Document Number | 0202603451 |
|---|---|
| Date | Mar 18, 2026 |
| Instrument | 2026-03451 |
| Name | GREENSTATE CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 1, 2041 |
| Document Number | 0202603450 |
|---|---|
| Date | Mar 18, 2026 |
| Instrument | 2026-03450 |
| Name | GREENSTATE CU |
|---|---|
| Type | Credit Union |
| Address | 2355 LANDON RD, NORTH LIBERTY, IA 52317 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2056 |
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 | $8,768.00 (+10.04%) Homeowner's exemption | $464,090 (+16.12%) Land $39,590 Building $424,500 | $464,090 (+16.12%) Land $39,590 Building $424,500 |
| 2024 | $7,968.00 (+14.12%) | ||
| 2023 | $399,660 (+21.05%) Land $39,590 Building $360,070 | $399,660 (+21.05%) Land $39,590 Building $360,070 | |
| 2022 | $6,982.00 Homeowner's exemption | $330,170 Land $39,590 Building $290,580 | |
| 2021 | $330,170 Land $39,590 Building $290,580 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 2 in force |
| Nearby Flood Claims | 2 (2010–2018) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Sep 2018 · other causes |
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.
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 290 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 |
| Verizon Fixed Wireless | 300 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
| CenturyLink DSL | 140 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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