1146 Fleur Dr, Waterloo, IA 50701 Property Records

Black Hawk County property record for 1146 Fleur Dr, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 924 sqft · built 1971
Lot Size	0.165 acres (7,200 sqft)
Owner	Individual Name on File
Last Sale	$219,000 (Feb 2024)
Tax Bill	$3,710 (2025)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Jul 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8913-29-206-025`

Property Details

APN / Parcel Number

Primary APN	`8913-29-206-025`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Building Area	924 sqft Living Area
1st Floor Area	924 sqft
Basement Area	924 sqft
Finished Basement	600 sqft
Unfinished Basement	924 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Split Foyer
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	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area
Patio Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1146 FLEUR DR
City	WATERLOO
State	IA
Zip	50701-3528
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CENTRAL HEIGHTS ADDITION LOT 86
Legal Range	13W
Legal Township	89N
Legal Section	29
Legal Subdivision	CENTRAL HEIGHTS ADDITION
Legal Lot Number	86
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1018
Census Tract	1502

Owner

1146 Fleur Dr is owned and occupied by an individual who bought it in February 2024.

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

Owner of Record	Individual Name on File
Mailing Address	1146 FLEUR DR, WATERLOO, IA 50701-3528
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
Feb 23, 2024	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Jul 6, 2018	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOTCOM LLC
Jun 10, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance UNIVERSITY OF IOWA CREDIT UNION
Jun 23, 2020	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 23, 2024 · Amount on File
Deed Sale	Feb 23, 2024 · Amount on File
Prior Sale	Jun 23, 2020 · Amount on File
Deed Document Number	202410385
Prior Transfer Date	May 5, 2009
Prior Transfer Doc	2009022228
Record Updated	Oct 29, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Feb 23, 2024
Property Address	1146 FLEUR DR, WATERLOO, IA 50701-3528
Document Number	202400010385
Instrument Date	Feb 16, 2024
Instrument	202400010385
Transaction Type	Transfer
Record Updated	Mar 20, 2024

Transaction

Amount	Amount on Record
Tax	$349.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1146 FLEUR DR, WATERLOO, IA 50701-3528

Mortgage

Document Number	202400010386
Date	Feb 23, 2024
Instrument	202400010386

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2054

Mortgage

Document Number	202400010386
Date	Feb 23, 2024
Instrument	202400010386

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	1827 ANSBOROUGH AVE, WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2054

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1146 FLEUR DR, WATERLOO, IA 50701-3528
Transaction Type	Mortgage
Record Updated	Jun 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900000287
Date	Jul 6, 2018
Instrument	201900000287

Lender

Name	LOANDEPOTCOM LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	354 Months
Due	Jan 1, 2048

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1146 FLEUR DR, WATERLOO, IA 50701-3528
Transaction Type	Mortgage
Record Updated	Jun 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900018567
Date	Jun 10, 2019
Instrument	201900018567

Lender

Name	UNIVERSITY OF IOWA CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2034

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 23, 2020
Property Address	1146 FLEUR DR, WATERLOO, IA 50701-3528
Document Number	202000022722
Instrument Date	Jun 11, 2020
Instrument	202000022722
Transaction Type	Transfer
Record Updated	Jun 25, 2021
Title Company	TITLE SERVICES GROUP, TITLE SERVICES CORP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$247.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1146 FLEUR DR, WATERLOO, IA 50701-3528

Mortgage

Document Number	202000022723
Date	Jun 23, 2020
Instrument	202000022723

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1146 Fleur Dr was $3,710, up 6.7% 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	$3,710.00 (+6.67%)	$192,950 Land $25,650 Building $167,300	$192,950 Land $25,650 Building $167,300
2024	$3,478.00
2023		$168,540 (+22.09%) Land $25,650 Building $142,890	$168,540 Land $25,650 Building $142,890
2022	$2,972.00 Homeowner's exemption	$138,050 Land $25,650 Building $112,400
2021			$138,050 Land $25,650 Building $112,400

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

Flood

FEMA maps place 1146 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 1146 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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