129 Derbyshire Rd, Waterloo, IA 50701 Property Records

Black Hawk County property record for 129 Derbyshire Rd, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,028 sqft · built 1940
Lot Size	0.152 acres (6,600 sqft)
Owner	Individual Name on File
Last Sale	$147,000 (Oct 2022)
Tax Bill	$4,072 (2025)
Deeds & Mortgages	Jul 2021 Line of Credit Oct 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-34-282-015`

Property Details

APN / Parcel Number

Primary APN	`8913-34-282-015`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,028 sqft Living Area
1st Floor Area	1,028 sqft
Basement Area	1,028 sqft
Finished Basement	600 sqft
Unfinished Basement	1,028 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,600 sqft (0.152 acres)
Lot Dimensions	110 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	90 sqft
Deck Area	400 sqft
Patio Area	440 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	129 DERBYSHIRE RD
City	WATERLOO
State	IA
Zip	50701-4145
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PROSPECT PLACE LOT 142
Legal Range	13W
Legal Township	89N
Legal Section	34
Legal Subdivision	PROSPECT PLACE
Legal Lot Number	142
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	4
Census Block	4016
Census Tract	1400

Owner

129 Derbyshire Rd is owned and occupied by an individual who bought it in October 2022.

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

Owner of Record	Individual Name on File
Mailing Address	129 DERBYSHIRE RD, WATERLOO, IA 50701-4145
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
Jul 9, 2021	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Oct 15, 2021	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU
Aug 4, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 15, 2022 · Amount on File
Deed Sale	Oct 15, 2022 · Amount on File
Prior Sale	Oct 15, 2021 · Amount on File
Deed Document Number	20228236
Prior Transfer Date	Aug 1, 2017
Prior Transfer Doc	201800002191
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	129 DERBYSHIRE RD, WATERLOO, IA 50701-4145
Transaction Type	Mortgage
Record Updated	Aug 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1726 FALCON RDG, WATERLOO, IA 50701-9386

Mortgage

Document Number	202200000644
Date	Jul 9, 2021
Instrument	202200000644

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount on Record

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 15, 2021
Property Address	129 DERBYSHIRE RD, WATERLOO, IA 50701-4145
Document Number	202200008236
Instrument Date	Oct 6, 2021
Instrument	202200008236
Transaction Type	Transfer
Record Updated	Oct 28, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$234.40
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	129 DERBYSHIRE RD, WATERLOO, IA 50701-4145

Mortgage

Document Number	202200008237
Date	Oct 15, 2021
Instrument	202200008237

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 5, 2051

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	Nov 5, 2031
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	6.87%
Index	1-Year LIBOR
Max Rate	10.8%

Mortgage

Document Number	202200008238
Date	Oct 15, 2021
Instrument	202200008238

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Nov 5, 2031

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Aug 4, 2017
Property Address	129 DERBYSHIRE RD, WATERLOO, IA 50701-4145
Document Number	201800002191
Instrument Date	Aug 1, 2017
Instrument	2018-00002191
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	925 E 4TH ST, WATERLOO, IA 50703-3925

Tax Assessment & Valuation

The 2025 property tax bill for 129 Derbyshire Rd was $4,072 with a homeowner's exemption, up 18.7% 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	$4,072.00 (+18.72%) Homeowner's exemption	$210,370 Land $22,080 Building $188,290	$210,370 Land $22,080 Building $188,290
2024	$3,430.00
2023		$168,340 (+15.48%) Land $22,080 Building $146,260	$168,340 Land $22,080 Building $146,260
2022	$3,202.00	$145,780 Land $22,080 Building $123,700
2021			$145,780 Land $22,080 Building $123,700

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

Flood

FEMA maps place 129 Derbyshire Rd in Zone X, an area of minimal flood risk.

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

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 129 Derbyshire Rd 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 98% of the US · lower than 82% of Iowa
Wildfire Likelihood	Under 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 541 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
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink, T-Mobile, Verizon.

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