129 Windsor Dr, Waterloo, IA 50701 Property Records

Black Hawk County property record for 129 Windsor Dr, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,368 sqft · built 1974
Lot Size	0.186 acres (8,100 sqft)
Owner	2 Individual Names on Record
Last Sale	$168,500 (Jul 2014)
Tax Bill	$4,764 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Sep 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`8913-34-257-011`

Property Details

APN / Parcel Number

Primary APN	`8913-34-257-011`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,368 sqft Living Area
1st Floor Area	360 sqft
Basement Area	768 sqft
Finished Basement	525 sqft
Unfinished Basement	768 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,100 sqft (0.186 acres)
Lot Dimensions	120 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Deck Area	168 sqft
Patio Area	292 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	129 WINDSOR DR
City	WATERLOO
State	IA
Zip	50701-4158
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PROSPECT CIRCLE ADDITION LOT 11
Legal Range	13W
Legal Township	89N
Legal Section	34
Legal Subdivision	PROSPECT CIRCLE ADDITION
Legal Lot Number	11
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	4
Census Block	4015
Census Tract	1400

Owner

Source: Black Hawk County records, as of September 9, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	129 WINDSOR DR, WATERLOO, IA 50701-4158
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2026	Deed of Trust, Mortgage · Line of Credit VERIDIAN CREDIT UNION
Sep 9, 2019	Deed of Trust, Mortgage · Stand-Alone First Mortgage GREENSTATE CREDIT UNION
Sep 9, 2019	Deed of Trust, Mortgage · Stand-Alone First Mortgage GREENSTATE CREDIT UNION
Sep 9, 2019	Warranty Deed, Transfer · ARM GREENSTATE CREDIT UNION
Mar 30, 2011	Joint Tenancy Deed, Transfer · FHA Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 18, 2014 · Amount on Record
Deed Sale	Jul 18, 2014 · Amount on Record
Prior Sale	Jul 18, 2014 · Amount on Record
Deed Document Number	20141115
Prior Transfer Date	Mar 28, 2011
Prior Transfer Doc	2011018786
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 1, 2026
Property Address	129 WINDSOR DR, WATERLOO, IA 50701-4158
Document Number	0000013187
Instrument Date	Aug 27, 2026
Instrument	202613187
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013187,
Date	Sep 1, 2026
Instrument	202613187

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

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

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	129 WINDSOR DR, WATERLOO, IA 50701-4158
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000004403
Date	Sep 9, 2019
Instrument	202000004403

Lender

Name	GREENSTATE CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Oct 1, 2029

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	129 WINDSOR DR, WATERLOO, IA 50701-4158
Transaction Type	Mortgage
Record Updated	Oct 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000004403
Date	Sep 9, 2019
Instrument	202000004403

Lender

Name	GREENSTATE CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Oct 1, 2029

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 9, 2019
Property Address	129 WINDSOR DR, WATERLOO, IA 50701-4158
Document Number	202000004401
Instrument Date	Aug 6, 2019
Instrument	202000004401
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	129 WINDSOR DR, WATERLOO, IA 50701-4158

Mortgage

Document Number	202000004402
Date	Sep 9, 2019
Instrument	202000004402

Lender

Name	GREENSTATE CREDIT UNION

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.3%
Type Change Date	Sep 5, 2029
Index	1-Year CMT

March 2011: Joint Tenancy Deed, Transfer

Document Type	Joint Tenancy Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Mar 30, 2011
Property Address	129 WINDSOR DR, WATERLOO, IA 50701-4158
Document Number	2011018786
Instrument Date	Mar 28, 2011
Instrument	2011018786
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$223.20
Amount Accuracy	Rounded by County
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	129 WINDSOR DR, WATERLOO, IA 50701-4158

Mortgage

Document Number	2011018787
Date	Mar 30, 2011
Instrument	2011018787

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2041

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	$4,764.00 (+12.57%) Homeowner's exemption	$244,290 (+19.01%) Land $28,500 Building $215,790	$244,290 (+19.01%) Land $28,500 Building $215,790
2024	$4,232.00 (+10.44%)
2023		$205,260 (+11.92%) Land $28,500 Building $176,760	$205,260 (+11.92%) Land $28,500 Building $176,760
2022	$3,832.00 Homeowner's exemption	$183,400 Land $28,500 Building $154,900
2021			$183,400 Land $28,500 Building $154,900

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

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	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.

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 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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