Black Hawk County property record for 115 Pinecrest Cir, Waterloo, IA 50703
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,440 sqft · built 1998 |
| Lot Size | 2.94 acres (128,066 sqft) |
| Owner | 2 Company Names on Record |
| Tax Bill | $7,254 (2025) |
| Deeds & Mortgages | May 2022 Mortgage Jun 2019 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 8912-34-302-012 |
| Primary APN | 8912-34-302-012 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,440 sqft Living Area |
| 1st Floor Area | 834 sqft |
| Basement Area | 1,134 sqft |
| Finished Basement | 800 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 128,066 sqft (2.94 acres) |
| Garage Type | Mixed |
| Garage Area | 1,164 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 190 sqft |
| Patio Area | 367 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 115 PINECREST CIR |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50703-9492 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HUFF SUBDIVISION LOT 1 AND EASE AS DESC IN PLAT OF HUFF SUBDIV BK 25 P 122 |
| Legal Range | 12W |
| Legal Township | 89N |
| Legal Section | 34 |
| Legal Subdivision | HUFF SUBDIVISION |
| Legal Lot Number | 1 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | EAST WATERLOO |
| Census Block Group | 2 |
| Census Block | 2052 |
| Census Tract | 2700 |
Source: Black Hawk County records, as of May 27, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 115 PINECREST CIR, WATERLOO, IA 50703-9492 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| May 2, 2022 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Jun 10, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance US BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Mar 28, 2025 |
| Transfer Doc | 0000004116 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 115 PINECREST CIR, WATERLOO, IA 50703-9492 |
| Transaction Type | Mortgage |
| Record Updated | May 13, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 202200021031 |
|---|---|
| Date | May 2, 2022 |
| Instrument | 202200021031 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 115 PINECREST CIR, WATERLOO, IA 50703-9492 |
| Transaction Type | Mortgage |
| Record Updated | Jul 3, 2019 |
| Name | Verified Name |
|---|
| Document Number | 201900018517 |
|---|---|
| Date | Jun 10, 2019 |
| Instrument | 201900018517 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2049 |
Source: Black Hawk County assessment roll, as of October 17, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Elk Run Heights City |
| Unified School District | Waterloo Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,254.00 | $502,720 (+15.08%) Land $59,700 Building $443,020 | $502,720 (+15.08%) Land $59,700 Building $443,020 |
| 2024 | $7,254.00 (+26.64%) | ||
| 2023 | $436,830 (+27.83%) Land $59,700 Building $377,130 | $436,830 (+27.83%) Land $59,700 Building $377,130 | |
| 2022 | $5,728.00 | $341,730 Land $59,700 Building $282,030 | |
| 2021 | $341,730 Land $59,700 Building $282,030 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 8 (1993–2010) |
| Claims Outside the SFHA | 6 of 8 |
| 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 | Low lower than 96% of the US · lower than 71% of Iowa |
|---|---|
| Wildfire Likelihood | 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | EVANSDALE WATER WORKS serves 4,561 people · EPA ID IA0723027 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Lead | 1 ppb (2023–2025) 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 21 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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