118 Goldcrest Ct, Waterloo, IA 50701 Property Records

Black Hawk County property record for 118 Goldcrest Ct, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,460 sqft · built 2022
Lot Size	0.297 acres (12,956 sqft)
Owner	2 Individual Names on Record
Last Sale	$425,000 (Jul 2025)
Tax Bill	$1,214 (2025)
Deeds & Mortgages	Jul 2025 Sale & Mortgage Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8813-08-327-002`

Property Details

APN / Parcel Number

Primary APN	`8813-08-327-002`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,460 sqft Living Area
Basement Area	1,460 sqft
Unfinished Basement	1,460 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Vinyl
Roof Type	Hip
Roof Material	Asphalt
Lot Area	12,956 sqft (0.297 acres)
Lot Dimensions	164 ft deep x 79 ft wide
Garage Type	Attached
Garage Area	713 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	30 sqft
Patio Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	118 GOLDCREST CT
City	WATERLOO
State	IA
Zip	50701-1223
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AUDUBON HEIGHTS SEVENTH ADDITION LOT 24
Legal Subdivision	AUDUBON HEIGHTS SEVENTH ADDITION
Legal Lot Number	24
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1020
Census Tract	3001

Owner

Source: Black Hawk County records, as of August 18, 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	118 GOLDCREST CT, WATERLOO, IA 50701-1223
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2025	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU
Jun 9, 2022	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2025 · Amount on Record
Deed Sale	Jul 2, 2025 · Amount on Record
Prior Sale	Jun 9, 2022 · Amount on Record
Deed Document Number	20259459
Record Updated	Sep 20, 2026

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jul 2, 2025
Property Address	118 GOLDCREST CT, WATERLOO, IA 50701-1223
Document Number	0202509459
Instrument Date	Jun 27, 2025
Instrument	2025-09459
Transaction Type	Transfer
Record Updated	Oct 17, 2025

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$679.20
Amount Accuracy	Rounded by County
Additional	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	118 GOLDCREST CT, WATERLOO, IA 50701-1223

Mortgage

Document Number	0202509460
Date	Jul 2, 2025
Instrument	2025-09460

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2032
Change Frequency	Annually
Min Rate At Change	4.87%
Max Rate At Change	8.5%
Index	1-Year CMT
Max Rate	12.5%

Mortgage

Document Number	0202509461
Date	Jul 2, 2025
Instrument	2025-09461

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	2355 LANDON RD, NORTH LIBERTY, IA 52317

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 1, 2035

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 9, 2022
Property Address	118 GOLDCREST CT, WATERLOO, IA 50701-1223
Document Number	202200023933
Instrument Date	May 10, 2022
Instrument	202200023933
Transaction Type	Transfer
Record Updated	Oct 17, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$621.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 GOLDCREST CT, WATERLOO, IA 50701-1223

Mortgage

Document Number	202200023934
Date	Jun 9, 2022
Instrument	202200023934

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 5, 2052

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Jun 5, 2029
Change Frequency	Annually
Min Rate At Change	4.87%
Max Rate At Change	5%
Index	1-Year CMT
Max Rate	9%

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	$1,214.00	$405,050 (+623.43%) Land $55,990 Building $349,060	$405,050 (+10.33%) Land $55,990 Building $349,060
2024	$1,214.00 (+513.13%)
2023		$55,990 (+521.42%) Land $55,990	$367,120 (+3,974.58%)
2022	$198.00	$9,010 Land $9,010
2021			$9,010 Land $9,010

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 21 individual policies
Nearby Flood Policies	37 units insured incl. 16 condo units
Nearby Flood Claims	2 (1985–2020)
Most Recent Claim	Jun 2020 · 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

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 108 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	1,000 / 50
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130

May also be available: CenturyLink.

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