Black Hawk County property record for 1043 Kaplan Dr, Waterloo, IA 50702
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,300 sqft · built 1977 |
| Lot Size | 0.193 acres (8,400 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $138,705 (Sep 2013) |
| Tax Bill | $4,102 (2025) |
| Deeds & Mortgages | May 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 8813-02-152-026 |
| Primary APN | 8813-02-152-026 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Building Area | 1,300 sqft Living Area |
| 1st Floor Area | 1,300 sqft |
| Basement Area | 1,300 sqft |
| Finished Basement | 625 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Split Foyer |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,400 sqft (0.193 acres) |
| Lot Dimensions | 120 ft deep x 70 ft wide |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 324 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 1043 KAPLAN DR |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50702-4205 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SOUTH RIDGE TERRACE ADDITION LOT 4 |
| Legal Range | 13W |
| Legal Township | 88N |
| Legal Section | 02 |
| Legal Subdivision | SOUTH RIDGE TERRACE ADDITION |
| Legal Lot Number | 4 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 900 |
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 | 1043 KAPLAN DR, WATERLOO, IA 50702-4205 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 20, 2013 · Amount on Record |
| Deed Sale | Sep 20, 2013 · Amount on Record |
| Deed Document Number | 20132014006459 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | May 27, 2026 |
| Property Address | 1043 KAPLAN DR, WATERLOO, IA 50702-4205 |
| Document Number | 0000007574 |
| Instrument Date | May 19, 2026 |
| Instrument | 20267574 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1043 KAPLAN DR, WATERLOO, IA 50702-4205 |
| Document Number | 0000007574, |
|---|---|
| Date | May 27, 2026 |
| Instrument | 20267574 |
| Name | FREE STATE CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.23% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
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 | $4,102.00 (-6.13%) Homeowner's exemption | $211,910 (+2.23%) Land $23,280 Building $188,630 | $211,910 (+2.23%) Land $23,280 Building $188,630 |
| 2024 | $4,370.00 (+32.02%) | ||
| 2023 | $207,280 (+34.08%) Land $23,280 Building $184,000 | $207,280 (+34.08%) Land $23,280 Building $184,000 | |
| 2022 | $3,310.00 Homeowner's exemption | $154,600 Land $23,280 Building $131,320 | |
| 2021 | $154,600 Land $23,280 Building $131,320 |
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 | 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 |
|
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 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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