1051 Kaplan Dr, Waterloo, IA 50702 Property Records

Black Hawk County property record for 1051 Kaplan Dr, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,040 sqft · built 1977
Lot Size	0.193 acres (8,400 sqft)
Owner	2 Individual Names on Record
Last Sale	$215,000 (Mar 2026)
Tax Bill	$3,956 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Dec 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8813-02-152-025`

Property Details

APN / Parcel Number

Primary APN	`8813-02-152-025`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,040 sqft Living Area
1st Floor Area	1,040 sqft
Basement Area	1,040 sqft
Finished Basement	575 sqft
Unfinished Basement	1,040 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Vinyl
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	192 sqft
Patio Area	30 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1051 KAPLAN DR
City	WATERLOO
State	IA
Zip	50702-4205
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUTH RIDGE TERRACE ADDITION L0T 5
Legal Range	13W
Legal Township	88N
Legal Section	02
Legal Subdivision	SOUTH RIDGE TERRACE ADDITION
Legal Lot Number	5
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1004
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	2 Individual Names on Record
Mailing Address	1051 KAPLAN DR, WATERLOO, IA 50702-4205
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2026	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU
Dec 10, 2018	Deed of Trust, Mortgage · Balloon Mortgage DEERE EMPLOYEES CREDIT UNION
May 26, 2022	Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK
Mar 24, 2022	Sheriff's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 10, 2026 · Amount on Record
Deed Sale	Mar 10, 2026 · Amount on Record
Prior Sale	Mar 24, 2022 · Amount on Record
Deed Document Number	20263098
Record Updated	Oct 29, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Mar 10, 2026
Property Address	1051 KAPLAN DR, WATERLOO, IA 50702-4205
Document Number	0202603098
Instrument Date	Feb 26, 2026
Instrument	2026-03098
Transaction Type	Transfer
Record Updated	Mar 19, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$343.20
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1051 KAPLAN DR, WATERLOO, IA 50702-4205

Mortgage

Document Number	0202603099
Date	Mar 10, 2026
Instrument	2026-03099

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2056

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1051 KAPLAN DR, WATERLOO, IA 50702-4205
Transaction Type	Mortgage
Record Updated	Jul 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900008945
Date	Dec 10, 2018
Instrument	201900008945

Lender

Name	DEERE EMPLOYEES CREDIT UNION

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1051 KAPLAN DR, WATERLOO, IA 50702-4205
Transaction Type	Mortgage
Record Updated	Jul 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6 FOSTER DR, DES MOINES, IA 50312-2563

Mortgage

Document Number	202200023098
Date	May 26, 2022
Instrument	202200023098

Lender

Name	NORTHWEST BANK
Type	Bank
Address	WEST DES MOINES, IA 50266

Agreement

Type	Line of Credit
Amount	Amount Recorded

March 2022: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Mar 24, 2022
Property Address	1051 KAPLAN DR, WATERLOO, IA 50702-4205
Document Number	202200018657
Instrument Date	Mar 9, 2022
Instrument	202200018657
Transaction Type	Foreclosure
Record Updated	Jul 8, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6 FOSTER DR, DES MOINES, IA 50312-2563

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	$3,956.00 (-3.84%)	$193,810 (+2.18%) Land $23,280 Building $170,530	$193,810 (+2.18%) Land $23,280 Building $170,530
2024	$4,114.00 (+32.88%)
2023		$189,670 (+34.58%) Land $23,280 Building $166,390	$189,670 (+34.58%) Land $23,280 Building $166,390
2022	$3,096.00 Homeowner's exemption	$140,930 Land $23,280 Building $117,650
2021			$140,930 Land $23,280 Building $117,650

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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