104 Prospect Cir, Waterloo, IA 50701 Property Records

Black Hawk County property record for 104 Prospect Cir, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,330 sqft · built 1975
Lot Size	0.208 acres (9,062 sqft)
Owner	2 Individual Names on File
Last Sale	$145,000 (Nov 2017)
Tax Bill	$3,840 (2025)
Deeds & Mortgages	May 2017 Construction Loan Nov 2017 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-34-257-002`

Property Details

APN / Parcel Number

Primary APN	`8913-34-257-002`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	3 Half Baths
Total Rooms	5 Rooms
Building Area	1,330 sqft Living Area
1st Floor Area	1,330 sqft
Basement Area	1,330 sqft
Finished Basement	350 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Split Foyer
Exterior Material	Composition/Composite
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,062 sqft (0.208 acres)
Lot Dimensions	92 ft deep x 100 ft wide
Deck Area	180 sqft
Patio Area	384 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	104 PROSPECT CIR
City	WATERLOO
State	IA
Zip	50701-4157
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PROSPECT CIRCLE ADDITION LOT 2
Legal Range	13W
Legal Township	89N
Legal Section	34
Legal Subdivision	PROSPECT CIRCLE ADDITION
Legal Lot Number	2
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	4
Census Block	4015
Census Tract	1400

Owner

104 Prospect Cir is owned and occupied by two individuals who bought it in November 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	104 PROSPECT CIR, WATERLOO, IA 50701-4157
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
May 25, 2017	Deed of Trust, Mortgage · Construction Mortgage BANKIOWA
Nov 14, 2017	Deed, Transfer
Nov 14, 2017	Warranty Deed, Transfer · FHA Mortgage GERSHMAN INVESTMENT CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 14, 2017 · Amount on File
Deed Sale	Nov 14, 2017 · Amount on File
Deed Document Number	20172018-00008453
Prior Transfer Date	Aug 22, 2016
Prior Transfer Doc	201700003733
Record Updated	Oct 29, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	104 PROSPECT CIR, WATERLOO, IA 50701-4157
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700020520
Date	May 25, 2017
Instrument	2017-00020520

Lender

Name	BANKIOWA
Type	Bank
Address	CEDAR FALLS, IA 50613

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	7 Months
Due	Dec 1, 2017

November 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 14, 2017
Property Address	104 PROSPECT CIR, WATERLOO, IA 50701-4157
Document Number	201800008452
Instrument Date	Nov 10, 2017
Instrument	2018-00008452
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 PROSPECT CIR, WATERLOO, IA 50701-4157

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 14, 2017
Property Address	104 PROSPECT CIR, WATERLOO, IA 50701-4157
Document Number	201800008453
Instrument Date	Nov 10, 2017
Instrument	2018-00008453
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 PROSPECT CIR, WATERLOO, IA 50701-4157

Mortgage

Document Number	201800008454
Date	Nov 14, 2017
Instrument	2018-00008454

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 104 Prospect Cir was $3,840 with a homeowner's exemption, up 11.7% 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	$3,840.00 (+11.69%) Homeowner's exemption	$213,660 Land $33,260 Building $180,400	$213,660 Land $33,260 Building $180,400
2024	$3,438.00
2023		$182,450 (+12.78%) Land $33,260 Building $149,190	$182,450 Land $33,260 Building $149,190
2022	$3,358.00 Homeowner's exemption	$161,770 Land $33,260 Building $128,510
2021			$161,770 Land $33,260 Building $128,510

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

Flood

FEMA maps place 104 Prospect Cir in Zone X, an area of minimal flood risk.

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

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 104 Prospect Cir 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 359 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	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

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