Black Hawk County property record for 129 Prospect Cir, Waterloo, IA 50701
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4.5 ba · 2,012 sqft · built 1972 |
| Lot Size | 0.217 acres (9,464 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,992 (2025) |
| Deeds & Mortgages | Dec 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 8913-34-257-024 |
| Primary APN | 8913-34-257-024 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 3 Half Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,012 sqft Living Area |
| 1st Floor Area | 800 sqft |
| Basement Area | 800 sqft |
| Finished Basement | 350 sqft |
| Unfinished Basement | 800 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,464 sqft (0.217 acres) |
| Lot Dimensions | 115 ft deep x 55 ft wide |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 130 sqft |
| Deck Area | 240 sqft |
| Patio Area | 240 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 129 PROSPECT CIR |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50701-4157 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PROSPECT CIRCLE ADDITION LOT 24 |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 34 |
| Legal Subdivision | PROSPECT CIRCLE ADDITION |
| Legal Lot Number | 24 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 4 |
| Census Block | 4015 |
| Census Tract | 1400 |
129 Prospect Cir is owned and occupied by two individuals.
Source: Black Hawk County records, as of September 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 321 ELM ST, WEST BRANCH, IA 52358-8251 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 129 PROSPECT CIR, WATERLOO, IA 50701-4157 |
| Transaction Type | Mortgage |
| Record Updated | Dec 20, 2021 |
| Name | Verified Name |
|---|---|
| Address | 129 PROSPECT CIR, WATERLOO, IA 50701-4157 |
| Document Number | 202200011952 |
|---|---|
| Date | Dec 7, 2021 |
| Instrument | 202200011952 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | WATERLOO, IA 50704 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Dec 20, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 129 Prospect Cir was $5,992 with a homeowner's exemption, up 23.1% from the year before.
Source: Black Hawk County assessment roll, as of October 17, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,992.00 (+23.09%) Homeowner's exemption | $293,650 Land $29,580 Building $264,070 | $293,650 Land $29,580 Building $264,070 |
| 2024 | $4,868.00 | ||
| 2023 | $248,300 (+13.54%) Land $29,580 Building $218,720 | $248,300 Land $29,580 Building $218,720 | |
| 2022 | $4,608.00 Homeowner's exemption | $218,690 Land $29,580 Building $189,110 | |
| 2021 | $218,690 Land $29,580 Building $189,110 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 129 Prospect Cir 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.
The area around 129 Prospect Cir has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 359 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 | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: GigFire, Nextlink.
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