1046 Fleur Dr, Waterloo, IA 50701 Property Records

Black Hawk County property record for 1046 Fleur Dr, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 906 sqft · built 1971
Lot Size	0.165 acres (7,200 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,138 (2025)
Deeds & Mortgages	May 2021 Line of Credit Apr 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`8913-29-206-034`

Property Details

APN / Parcel Number

Primary APN	`8913-29-206-034`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	906 sqft Living Area
1st Floor Area	906 sqft
Basement Area	453 sqft
Finished Basement	200 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Split Level
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,200 sqft (0.165 acres)
Lot Dimensions	120 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Deck Area	118 sqft
Patio Area	98 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1046 FLEUR DR
City	WATERLOO
State	IA
Zip	50701-3508
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CENTRAL HEIGHTS ADDITION LOT 95
Legal Range	13W
Legal Township	89N
Legal Section	29
Legal Subdivision	CENTRAL HEIGHTS ADDITION
Legal Lot Number	95
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1018
Census Tract	1502

Owner

1046 Fleur Dr is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	1046 FLEUR DR, WATERLOO, IA 50701-3508
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 7, 2021	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Apr 30, 2020	Deed of Trust, Mortgage · Line of Credit REGIONS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1046 FLEUR DR, WATERLOO, IA 50701-3508
Transaction Type	Mortgage
Record Updated	May 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1046 FLEUR DR, WATERLOO, IA 50701-3508

Mortgage

Document Number	202100023452
Date	May 7, 2021
Instrument	202100023452

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35221

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	84 Months
Due	May 1, 2028

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1046 FLEUR DR, WATERLOO, IA 50701-3508
Transaction Type	Mortgage
Record Updated	Jun 17, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000018866
Date	Apr 30, 2020
Instrument	202000018866

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 16, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 1046 Fleur Dr was $3,138 with a homeowner's exemption, up 1.6% 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	Cedar Falls Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,138.00 (+1.55%) Homeowner's exemption	$188,660 Land $25,650 Building $163,010	$188,660 Land $25,650 Building $163,010
2024	$3,090.00
2023		$173,610 (+23.92%) Land $25,650 Building $147,960	$173,610 Land $25,650 Building $147,960
2022	$3,020.00 Homeowner's exemption	$140,100 Land $25,650 Building $114,450
2021			$140,100 Land $25,650 Building $114,450

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

Flood

FEMA maps place 1046 Fleur Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2014.

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	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2014 · 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.

Wildfire

Wildfire risk around 1046 Fleur Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 82% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 298 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
CenturyLink DSL · Fiber in parts of the area	140 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Cedar Falls Utilities, Nextlink.

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