1207 Kaplan Dr, Waterloo, IA 50702 Property Records

Black Hawk County property record for 1207 Kaplan Dr, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,088 sqft · built 1977
Lot Size	0.187 acres (8,160 sqft)
Owner	2 Individual Names on Record
Last Sale	$285,000 (Sep 2024)
Tax Bill	$5,988 (2025)
Deeds & Mortgages	Jun 2018 Mortgage Jun 2018 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`8813-02-152-016`

Property Details

APN / Parcel Number

Primary APN	`8813-02-152-016`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,088 sqft Living Area
1st Floor Area	932 sqft
Basement Area	1,156 sqft
Finished Basement	650 sqft
Unfinished Basement	1,156 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Composition/Composite
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,160 sqft (0.187 acres)
Lot Dimensions	120 ft deep x 68 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	262 sqft
Deck Area	100 sqft
Patio Area	884 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1207 KAPLAN DR
City	WATERLOO
State	IA
Zip	50702-4209
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUTH RIDGE TERRACE ADDITION LOT 14 EXC W 2 FT
Legal Range	13W
Legal Township	88N
Legal Section	02
Legal Subdivision	SOUTH RIDGE TERRACE ADDITION
Legal Lot Number	14
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1004
Census Tract	900

Owner

Source: Black Hawk County records, as of September 1, 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	1207 KAPLAN DR, WATERLOO, IA 50702-4209
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 27, 2018	Deed of Trust, Mortgage UNIVERSITY OF IOWA CREDIT UNION
Jun 27, 2018	Deed of Trust, Mortgage UNIVERSITY OF IOWA CREDIT UNION
Feb 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage GREENSTATE CU
Jul 11, 2022	Deed of Trust, Mortgage · Line of Credit GREENSTATE CU
Aug 15, 2022	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 2024 · Amount on Record
Deed Sale	Sep 12, 2024 · Amount on Record
Prior Sale	Jun 27, 2018 · Amount on Record
Deed Document Number	202420256
Prior Transfer Date	Sep 15, 2010
Prior Transfer Doc	2011005895
Record Updated	Oct 29, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1207 KAPLAN DR, WATERLOO, IA 50702-4209
Transaction Type	Mortgage
Record Updated	Mar 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800021440
Date	Jun 27, 2018
Instrument	201800021440

Lender

Name	UNIVERSITY OF IOWA CREDIT UNION

Agreement

Amount	Amount Recorded
Term	115 Months
Due	Jan 1, 2028

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1207 KAPLAN DR, WATERLOO, IA 50702-4209
Transaction Type	Mortgage
Record Updated	Mar 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800021439
Date	Jun 27, 2018
Instrument	201800021439

Lender

Name	UNIVERSITY OF IOWA CREDIT UNION

Agreement

Amount	Amount Recorded
Term	355 Months
Due	Jan 1, 2048

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1207 KAPLAN DR, WATERLOO, IA 50702-4209
Transaction Type	Mortgage
Record Updated	Mar 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100018051
Date	Feb 26, 2021
Instrument	202100018051

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1207 KAPLAN DR, WATERLOO, IA 50702-4209
Transaction Type	Mortgage
Record Updated	Mar 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202300000478
Date	Jul 11, 2022
Instrument	202300000478

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Jul 10, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Aug 15, 2022
Property Address	1207 KAPLAN DR, WATERLOO, IA 50702-4209
Document Number	202300002702
Instrument Date	Aug 11, 2022
Instrument	202300002702
Transaction Type	Transfer
Record Updated	Mar 3, 2023
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$474.40
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	1207 KAPLAN DR, WASHBURN, IA 50702-4209

Mortgage

Document Number	202300002703
Date	Aug 15, 2022
Instrument	202300002703

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 5, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Sep 5, 2032
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	6.37%
Index	1-Year CMT
Max Rate	10.3%

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	$5,988.00 (+1.7%)	$293,410 (+8.11%) Land $22,610 Building $270,800	$293,410 (+8.11%) Land $22,610 Building $270,800
2024	$5,888.00 (+44.07%)
2023		$271,390 (+42.45%) Land $22,610 Building $248,780	$271,390 (+42.45%) Land $22,610 Building $248,780
2022	$4,087.00 Homeowner's exemption	$190,520 Land $22,610 Building $167,910
2021			$190,520 Land $22,610 Building $167,910

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

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	7 (1979–2010)
Claims Outside the SFHA	1 of 7
Most Recent Claim	Jul 2010 · Severe Storms, Flooding, And Tornadoes
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2008 · 3 claims

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	Not rated no burnable land within 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 264 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
GigFire Fixed Wireless	150 / 130

May also be available: CenturyLink, Nextlink, Verizon.

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