124 Clyde Cir, Waterloo, IA 50701 Property Records

Black Hawk County property record for 124 Clyde Cir, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,482 sqft · built 1952
Lot Size	0.849 acres (37,000 sqft)
Owner	2 Individual Names on File
Last Sale	$270,000 (Apr 2017)
Tax Bill	$6,656 (2025)
Deeds & Mortgages	Apr 2017 Mortgage May 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-34-354-007`

Property Details

APN / Parcel Number

Primary APN	`8913-34-354-007`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,482 sqft Living Area
1st Floor Area	2,194 sqft
Basement Area	2,482 sqft
Finished Basement	550 sqft
Game Room	Game Room
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	37,000 sqft (0.849 acres)
Lot Dimensions	200 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	1,325 sqft
Parking Spaces	5 Parking Spaces
Deck Area	446 sqft
Patio Area	204 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	124 CLYDE CIR
City	WATERLOO
State	IA
Zip	50701-4007
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIDGEWAY HEIGHTS LOT 66
Legal Range	13W
Legal Township	89N
Legal Section	34
Legal Subdivision	RIDGEWAY HEIGHTS
Legal Lot Number	66
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	5
Census Block	5012
Census Tract	1400

Owner

124 Clyde Cir is owned and occupied by two individuals who bought it in April 2017.

Source: Black Hawk County records, as of September 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	124 CLYDE CIR, WATERLOO, IA 50701-4007
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2017	Deed of Trust, Mortgage · VA Mortgage UNIVERSITY OF IOWA COMMUNITY CU
May 3, 2018	Deed of Trust, Mortgage VERIDIAN CREDIT UNION
Jun 15, 2021	Deed of Trust, Mortgage · VA Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 28, 2017 · Amount on File
Deed Sale	Apr 28, 2017 · Amount on File
Deed Document Number	201718906
Record Updated	Oct 29, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	124 CLYDE CIR, WATERLOO, IA 50701-4007
Transaction Type	Mortgage
Record Updated	Nov 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700018907
Date	Apr 28, 2017
Instrument	2017-00018907

Lender

Name	UNIVERSITY OF IOWA COMMUNITY CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2047

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	124 CLYDE CIR, WATERLOO, IA 50701-4007
Transaction Type	Mortgage
Record Updated	Sep 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800017931
Date	May 3, 2018
Instrument	201800017931

Lender

Name	VERIDIAN CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount on Record
Term	176 Months
Due	Jan 1, 2033

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	124 CLYDE CIR, WATERLOO, IA 50701-4007
Transaction Type	Mortgage
Record Updated	Sep 15, 2022
Title Company	TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	124 CLYDE CIR, WATERLOO, IA 50701-4007

Mortgage

Document Number	202100026485
Date	Jun 15, 2021
Instrument	202100026485

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 124 Clyde Cir was $6,656 with a homeowner's exemption, down 11.7% from the year before.

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	$6,656.00 (-11.75%) Homeowner's exemption	$355,010 Land $47,980 Building $307,030	$355,010 Land $47,980 Building $307,030
2024	$7,542.00
2023		$374,770 (+28.17%) Land $47,980 Building $326,790	$374,770 Land $47,980 Building $326,790
2022	$6,078.00 Homeowner's exemption	$292,400 Land $47,980 Building $244,420
2021			$292,400 Land $47,980 Building $244,420

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

Flood

FEMA maps place 124 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

Wildfire risk around 124 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.

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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