Black Hawk County property record for 120 Crest Cir, Waterloo, IA 50702
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,440 sqft · built 1965 |
| Lot Size | 0.273 acres (11,890 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $285,000 (Sep 2025) |
| Tax Bill | $4,890 (2025) |
| Deeds & Mortgages | May 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 8813-03-180-019 |
| Primary APN | 8813-03-180-019 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,440 sqft Living Area |
| 1st Floor Area | 1,440 sqft |
| Basement Area | 1,440 sqft |
| Finished Basement | 600 sqft |
| Unfinished Basement | 1,440 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 11,890 sqft (0.273 acres) |
| Lot Dimensions | 116 ft deep x 45 ft wide |
| Garage Type | Attached |
| Garage Area | 456 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 220 sqft |
| Patio Area | 224 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 120 CREST CIR |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50702-5221 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CRESTVIEW SECOND ADDITION LOT 230 |
| Legal Range | 13W |
| Legal Township | 88N |
| Legal Section | 03 |
| Legal Subdivision | CRESTVIEW SECOND ADDITION |
| Legal Lot Number | 230 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 1301 |
120 Crest Cir is owned and occupied by two individuals who bought 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 CREST CIR, WATERLOO, IA 50702-5221 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 3, 2025 · Amount on File |
| Deed Sale | Sep 3, 2025 · Amount on File |
| Prior Sale | May 10, 2023 · Amount on File |
| Deed Document Number | 202512856 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | May 10, 2023 |
| Property Address | 120 CREST CIR, WATERLOO, IA 50702-5221 |
| Document Number | 202300015045 |
| Instrument Date | May 5, 2023 |
| Instrument | 202300015045 |
| Transaction Type | Transfer |
| Record Updated | May 26, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $401.60 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 120 CREST CIR, WASHBURN, IA 50702-5221 |
| Document Number | 202300015046 |
|---|---|
| Date | May 10, 2023 |
| Instrument | 202300015046 |
| Name | GREENSTATE CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2053 |
The 2025 property tax bill for 120 Crest Cir was $4,890 with a homeowner's exemption, up 0.8% 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 | $4,890.00 (+0.82%) Homeowner's exemption | $250,540 Land $27,420 Building $223,120 | $250,540 Land $27,420 Building $223,120 |
| 2024 | $4,850.00 | ||
| 2023 | $233,750 (+28.84%) Land $27,420 Building $206,330 | $233,750 Land $27,420 Building $206,330 | |
| 2022 | $3,790.00 Homeowner's exemption | $181,420 Land $27,420 Building $154,000 | |
| 2021 | $181,420 Land $27,420 Building $154,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 120 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 risk around 120 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.
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 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures