1042 Kaplan Dr, Waterloo, IA 50702 Property Records

Black Hawk County property record for 1042 Kaplan Dr, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,368 sqft · built 1977
Lot Size	0.207 acres (9,000 sqft)
Owner	Individual Name on Record
Last Sale	$15,000 (Aug 2013)
Tax Bill	$4,490 (2025)
Deeds & Mortgages	Sep 2017 Mortgage Dec 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`8813-02-153-006`

Property Details

APN / Parcel Number

Primary APN	`8813-02-153-006`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,368 sqft Living Area
1st Floor Area	1,368 sqft
Basement Area	1,368 sqft
Finished Basement	400 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	9,000 sqft (0.207 acres)
Lot Dimensions	120 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Pool Area	512 sqft
Deck Area	136 sqft
Patio Area	664 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1042 KAPLAN DR
City	WATERLOO
State	IA
Zip	50702-4206
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUTH RIDGE TERRACE ADDITION LOT 31
Legal Range	13W
Legal Township	88N
Legal Section	02
Legal Subdivision	SOUTH RIDGE TERRACE ADDITION
Legal Lot Number	31
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1005
Census Tract	900

Owner

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	Individual Name on Record
Mailing Address	1042 KAPLAN DR, WATERLOO, IA 50702-4206
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2017	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
Dec 4, 2017	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 9, 2013 · Amount on Record
Deed Sale	Aug 9, 2013 · Amount on Record
Prior Sale	Aug 7, 2007 · Amount on Record
Deed Document Number	20132014003058
Last Transfer Date	Dec 30, 2013
Transfer Doc	2014013035
Record Updated	Oct 29, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1042 KAPLAN DR, WATERLOO, IA 50702-4206
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800005417
Date	Sep 26, 2017
Instrument	2018-00005417

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2032

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1042 KAPLAN DR, WATERLOO, IA 50702-4206
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800009624
Date	Dec 4, 2017
Instrument	2018-00009624

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Nov 27, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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	$4,490.00 (-3.94%) Homeowner's exemption	$239,860 (+2.44%) Land $24,940 Building $214,920	$239,860 (+2.44%) Land $24,940 Building $214,920
2024	$4,674.00 (+30.7%)
2023		$234,150 (+33.72%) Land $24,940 Building $209,210	$234,150 (+33.72%) Land $24,940 Building $209,210
2022	$3,576.00 Homeowner's exemption	$175,100 Land $24,940 Building $150,160
2021			$175,100 Land $24,940 Building $150,160

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	7 (1979–2010)
Claims Outside the SFHA	1 of 7
Most Recent Claim	Jul 2010 · Severe Storms, Flooding, And Tornadoes
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2008 · 3 claims

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 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 264 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
GigFire Fixed Wireless	150 / 130

May also be available: CenturyLink, Nextlink, Verizon.

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