131 Niagara Dr, Waterloo, IA 50701 Property Records

Black Hawk County property record for 131 Niagara Dr, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,128 sqft · built 1952
Lot Size	0.455 acres (19,812 sqft)
Owner	Individual Name on Record
Last Sale	$216,000 (May 2026)
Tax Bill	$4,080 (2025)
Deeds & Mortgages	May 2026 Mortgage May 2026 Sale & Mortgage
Flood Zone	Zone X (reduced by levee)
APN	`8913-17-428-008`

Property Details

APN / Parcel Number

Primary APN	`8913-17-428-008`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,128 sqft Living Area
1st Floor Area	936 sqft
Basement Area	936 sqft
Finished Basement	400 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	19,812 sqft (0.455 acres)
Lot Dimensions	125 ft deep x 159 ft wide
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	432 sqft
Patio Area	432 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	131 NIAGARA DR
City	WATERLOO
State	IA
Zip	50701-1174
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HILLSIDE ADDITION CASTLE HILL LOT 2
Legal Range	13W
Legal Township	89N
Legal Section	17
Legal Subdivision	HILLSIDE ADDITION CASTLE HILL
Legal Lot Number	2
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2010
Census Tract	1503

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	131 NIAGARA DR, WATERLOO, IA 50701-1174
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 29, 2026	Correction Deed, Transfer · FHA Mortgage STONE MORTGAGE CORPORATION
May 19, 2026	Warranty Deed, Transfer · FHA Mortgage STONE MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 19, 2026 · Amount on Record
Deed Sale	May 19, 2026 · Amount on Record
Deed Document Number	20267228
Prior Transfer Date	May 14, 2026
Prior Transfer Doc	0000007746
Record Updated	Oct 29, 2026

May 2026: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 29, 2026
Property Address	131 NIAGARA DR, WATERLOO, IA 50701-1174
Document Number	0000007746
Instrument Date	May 14, 2026
Instrument	20267746
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICES CORPORATION

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	131 NIAGARA DR, WATERLOO, IA 50701-1174

Mortgage

Document Number	0000007747,
Date	May 29, 2026
Instrument	20267747

Lender

Name	STONE MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Jun 1, 2051

Interest

Rate	6.3%
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 19, 2026
Property Address	131 NIAGARA DR, WATERLOO, IA 50701-1174
Document Number	0000007228
Instrument Date	May 14, 2026
Instrument	2026.7228
Transaction Type	Transfer
Record Updated	May 28, 2026
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$34,824.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	131 NIAGARA DR, WATERLOO, IA 50701-1174

Mortgage

Document Number	0000007229,
Date	May 19, 2026
Instrument	2026.7229

Lender

Name	STONE MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Jun 1, 2051

Interest

Rate	6.46%
Max Rate	-1%

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	$4,080.00 (+1.54%) Homeowner's exemption	$225,370 (+7.77%) Land $46,170 Building $179,200	$225,370 (+7.77%) Land $46,170 Building $179,200
2024	$4,018.00 (+10.14%)
2023		$209,130 (+19.54%) Land $46,170 Building $162,960	$209,130 (+19.54%) Land $46,170 Building $162,960
2022	$3,648.00 Homeowner's exemption	$174,940 Land $46,170 Building $128,770
2021			$174,940 Land $46,170 Building $128,770

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 reduced by levee · depends on levee performance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	58 (1978–2016)
Most Recent Claim	Sep 2016 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2016 · 5 claims Severe Storms, Tornadoes, And Flooding, Jun 2008 · 11 claims Severe Storms & Flooding, Aug 1993 · 12 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	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 200 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, GigFire, Nextlink.

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