121 Byrnbrae St, Waterloo, IA 50701 Property Records

Black Hawk County property record for 121 Byrnbrae St, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 984 sqft · built 1949
Lot Size	0.226 acres (9,828 sqft)
Owner	Individual Name on Record
Last Sale	$160,000 (Oct 2023)
Tax Bill	$3,508 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Sep 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-34-304-007`

Property Details

APN / Parcel Number

Primary APN	`8913-34-304-007`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	984 sqft Living Area
1st Floor Area	984 sqft
Basement Area	984 sqft
Finished Basement	425 sqft
Unfinished Basement	984 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,828 sqft (0.226 acres)
Lot Dimensions	75 ft deep x 108 ft wide
Garage Type	Detached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Deck Area	100 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	121 BYRNBRAE ST
City	WATERLOO
State	IA
Zip	50701-3822
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BYRNBRAE REPLAT LOT 32
Legal Range	13W
Legal Township	89N
Legal Section	34
Legal Subdivision	BYRNBRAE REPLAT
Legal Lot Number	32
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1024
Census Tract	1400

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	Individual Name on Record
Mailing Address	121 BYRNBRAE ST, WATERLOO, IA 50701-3822
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2022	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Sep 27, 2018	Deed of Trust, Mortgage VERIDIAN CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2023 · Amount on Record
Deed Sale	Oct 31, 2023 · Amount on Record
Prior Sale	Oct 31, 2022 · Amount on Record
Deed Document Number	20236977
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 31, 2022
Property Address	121 BYRNBRAE ST, WATERLOO, IA 50701-3822
Document Number	202300006977
Instrument Date	Oct 17, 2022
Instrument	202300006977
Transaction Type	Transfer
Record Updated	Nov 11, 2022
Title Company	TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$255.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 BYRNBRAE ST, WATERLOO, IA 50701-3822

Mortgage

Document Number	202300006978
Date	Oct 31, 2022
Instrument	202300006978

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	121 BYRNBRAE ST, WATERLOO, IA 50701-3822
Transaction Type	Mortgage
Record Updated	Oct 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900005198
Date	Sep 27, 2018
Instrument	201900005198

Lender

Name	VERIDIAN CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	112 Months
Due	Jan 1, 2028

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	$3,508.00 (+6.95%)	$171,880 (+12.72%) Land $23,300 Building $148,580	$171,880 (+12.72%) Land $23,300 Building $148,580
2024	$3,280.00 (+41.99%)
2023		$152,480 (+29.8%) Land $23,300 Building $129,180	$152,480 (+29.8%) Land $23,300 Building $129,180
2022	$2,310.00 Homeowner's exemption	$117,470 Land $23,300 Building $94,170
2021			$117,470 Land $23,300 Building $94,170

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 Claims	3 (1979–1980)
Most Recent Claim	Jun 1980 · 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 97% of the US · lower than 76% 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.

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 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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