1215 Kaplan Dr, Waterloo, IA 50702 Property Records

Black Hawk County property record for 1215 Kaplan Dr, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,050 sqft · built 1977
Lot Size	0.193 acres (8,400 sqft)
Owner	Individual Name on Record
Last Sale	$238,000 (Sep 2026)
Tax Bill	$4,014 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Sep 2026 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8813-02-152-015`

Property Details

APN / Parcel Number

Primary APN	`8813-02-152-015`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,050 sqft Living Area
1st Floor Area	1,050 sqft
Basement Area	1,050 sqft
Finished Basement	700 sqft
Unfinished Basement	1,050 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Split Foyer
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,400 sqft (0.193 acres)
Lot Dimensions	120 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	456 sqft
Parking Spaces	2 Parking Spaces
Deck Area	244 sqft
Patio Area	172 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1215 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 15
Legal Range	13W
Legal Township	88N
Legal Section	02
Legal Subdivision	SOUTH RIDGE TERRACE ADDITION
Legal Lot Number	15
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 October 7, 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	1215 KAPLAN DR, WATERLOO, IA 50702-4209
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2026	Warranty Deed, Transfer · Conventional Mortgage UNION CREDIT UNION
Sep 18, 2026	Deed of Trust, Mortgage · Construction Mortgage UNION CREDIT UNION
Jun 26, 2020	Warranty Deed, Transfer · Conventional Mortgage FARMERS STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 2026 · Amount on Record
Deed Sale	Sep 29, 2026 · Amount on Record
Prior Sale	Jun 26, 2020 · Amount on Record
Deed Document Number	202614801
Prior Transfer Date	Apr 26, 2010
Prior Transfer Doc	0000021162
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 29, 2026
Property Address	1215 KAPLAN DR, WATERLOO, IA 50702-4209
Document Number	0000014801
Instrument Date	Sep 22, 2026
Instrument	202614801
Transaction Type	Transfer
Record Updated	Oct 6, 2026
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$38,380.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1215 KAPLAN DR, WATERLOO, IA 50702-4209

Mortgage

Document Number	0000014802,
Date	Sep 29, 2026
Instrument	202614802

Lender

Name	UNION CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 18, 2026
Property Address	1215 KAPLAN DR, WATERLOO, IA 50702-4209
Document Number	0000014199
Instrument Date	Sep 10, 2026
Instrument	202614199
Transaction Type	Mortgage
Record Updated	Sep 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1215 KAPLAN DR, WATERLOO, IA 50702-4209

Mortgage

Document Number	0000014199,
Date	Sep 18, 2026
Instrument	202614199

Lender

Name	UNION CREDIT UNION

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Sep 15, 2027

Interest

Max Rate	-1%

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 26, 2020
Property Address	1215 KAPLAN DR, WATERLOO, IA 50702-4209
Document Number	202000023018
Instrument Date	Jun 25, 2020
Instrument	202000023018
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$288.80
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	1215 KAPLAN DR, WATERLOO, IA 50702-4209

Mortgage

Document Number	202000023019
Date	Jun 26, 2020
Instrument	202000023019

Lender

Name	FARMERS STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

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	$4,014.00 (-3.88%) Homeowner's exemption	$207,610 (+2.41%) Land $23,280 Building $184,330	$207,610 (+2.41%) Land $23,280 Building $184,330
2024	$4,176.00 (+36.65%)
2023		$202,720 (+36.95%) Land $23,280 Building $179,440	$202,720 (+36.95%) Land $23,280 Building $179,440
2022	$3,056.00 Homeowner's exemption	$148,030 Land $23,280 Building $124,750
2021			$148,030 Land $23,280 Building $124,750

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	Low lower than 96% of the US · lower than 71% 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.

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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