Black Hawk County property record for 120 Clyde Cir, Waterloo, IA 50701
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,657 sqft · built 1957 |
| Lot Size | 0.857 acres (37,330 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,516 (2025) |
| Deeds & Mortgages | Sep 2025 Transfer Jun 2025 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 8913-34-354-008 |
| Primary APN | 8913-34-354-008 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,657 sqft Living Area |
| 1st Floor Area | 2,377 sqft |
| Basement Area | 1,588 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 37,330 sqft (0.857 acres) |
| Lot Dimensions | 190 ft deep x 254 ft wide |
| Garage Type | Detached |
| Garage Area | 792 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 105 sqft |
| Deck Area | 306 sqft |
| Patio Area | 160 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 120 CLYDE CIR |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50701-4007 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RIDGEWAY HEIGHTS LOT 67 |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 34 |
| Legal Subdivision | RIDGEWAY HEIGHTS |
| Legal Lot Number | 67 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 5 |
| Census Block | 5012 |
| Census Tract | 1400 |
120 Clyde Cir is owned and occupied by two individuals who acquired it in September 2025.
Source: Black Hawk County records, as of September 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 120 CLYDE CIR, WATERLOO, IA 50701-4007 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 30, 2025 | Intrafamily Transfer, Transfer |
| Jun 4, 2025 | Affidavit of Death of Joint Tenant, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Sep 30, 2025 |
| Transfer Doc | 0202514350 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Sep 30, 2025 |
| Property Address | 120 CLYDE CIR, WATERLOO, IA 50701-4007 |
| Document Number | 0202514350 |
| Instrument Date | Sep 30, 2025 |
| Instrument | 2025-14350 |
| Transaction Type | Transfer |
| Record Updated | Oct 13, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 120 CLYDE CIR, WATERLOO, IA 50701-4007 |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Jun 4, 2025 |
| Property Address | 120 CLYDE CIR, WATERLOO, IA 50701-4007 |
| Document Number | 0202507650 |
| Instrument Date | Jun 4, 2025 |
| Instrument | 2025-07650 |
| Transaction Type | Transfer |
| Record Updated | Oct 13, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 120 CLYDE CIR, WATERLOO, IA 50701-4007 |
The 2025 property tax bill for 120 Clyde Cir was $5,516 with a homeowner's exemption, down 11.4% from the year before.
Source: Black Hawk County assessment roll, as of October 17, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,516.00 (-11.4%) Homeowner's exemption | $304,710 Land $47,540 Building $257,170 | $304,710 Land $47,540 Building $257,170 |
| 2024 | $6,226.00 | ||
| 2023 | $345,240 (+27.12%) Land $45,040 Building $300,200 | $345,240 Land $45,040 Building $300,200 | |
| 2022 | $5,696.00 Homeowner's exemption | $271,580 Land $45,040 Building $226,540 | |
| 2021 | $271,580 Land $45,040 Building $226,540 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 120 Clyde Cir in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2010.
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 (2010) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Mar 2010 · other causes |
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 risk around 120 Clyde Cir is low, with 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 95% of the US · lower than 68% of Iowa |
|---|---|
| Wildfire Likelihood | 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.
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 |
| 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 321 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 |
| Verizon Fixed Wireless | 300 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
May also be available: Nextlink, T-Mobile.
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