113 Crest Cir, Waterloo, IA 50702 Property Records

Black Hawk County property record for 113 Crest Cir, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,092 sqft · built 1964
Lot Size	0.216 acres (9,398 sqft)
Owner	2 Individual Names on File
Last Sale	$117,500 (Jun 2013)
Tax Bill	$3,732 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Feb 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`8813-03-180-022`

Property Details

APN / Parcel Number

Primary APN	`8813-03-180-022`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,092 sqft Living Area
1st Floor Area	1,092 sqft
Basement Area	1,092 sqft
Finished Basement	300 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Hip
Roof Material	Asphalt
Lot Area	9,398 sqft (0.216 acres)
Lot Dimensions	127 ft deep x 68 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	204 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	113 CREST CIR
City	WATERLOO
State	IA
Zip	50702-5221
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CRESTVIEW SECOND ADDITION LOT 227 PART OF LOT 228 BEG AT SW COR LOT 228 TH N 10.03 FT TH ELY 95.45 FT TO A PT WHICH IS 8.88
Legal Range	13W
Legal Township	88N
Legal Section	03
Legal Subdivision	CRESTVIEW SECOND ADDITION
Legal Lot Number	227,228
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1017
Census Tract	1301

Owner

113 Crest Cir is owned and occupied by two individuals who bought it in June 2013.

Source: Black Hawk County records, as of September 10, 2026

Owner of Record	2 Individual Names on File
Mailing Address	113 CREST CIR, WATERLOO, IA 50702-5221
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
Dec 15, 2025	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Feb 9, 2017	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2013 · Amount on File
Deed Sale	Jun 26, 2013 · Amount on File
Prior Sale	Aug 6, 2007 · Amount on File
Deed Document Number	201327034
Prior Transfer Date	Jun 14, 2013
Prior Transfer Doc	2013027034
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	113 CREST CIR, WATERLOO, IA 50702-5221
Transaction Type	Mortgage
Record Updated	Dec 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	113 CREST CIR, WATERLOO, IA 50702-5221

Mortgage

Document Number	0202518415
Date	Dec 15, 2025
Instrument	2025-18415

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	PO BOX 6000, WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Dec 14, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	113 CREST CIR, WATERLOO, IA 50702-5221
Transaction Type	Mortgage
Record Updated	Aug 9, 2022
Title Company	BLACK HAWK COUNTY ABSTRACT, BLACK HAWK COUNTY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700014251
Date	Feb 9, 2017
Instrument	2017-00014251

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Feb 8, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 113 Crest Cir was $3,732 with a homeowner's exemption, up 0.8% 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	$3,732.00 (+0.76%) Homeowner's exemption	$193,790 Land $24,440 Building $169,350	$193,790 Land $24,440 Building $169,350
2024	$3,704.00
2023		$180,950 (+27.51%) Land $24,440 Building $156,510	$180,950 Land $24,440 Building $156,510
2022	$2,922.00 Homeowner's exemption	$141,910 Land $24,440 Building $117,470
2021			$141,910 Land $24,440 Building $117,470

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

Flood

FEMA maps place 113 Crest Cir in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1979.

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	6 (1979–1990)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Jun 1990 · river or lake flooding

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 113 Crest Cir 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 99.1% of the US · lower than 91% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 345 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

May also be available: GigFire, T-Mobile, Verizon.

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