149 Vera Dr, Waterloo, IA 50701 Property Records

Black Hawk County property record for 149 Vera Dr, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 924 sqft · built 1978
Lot Size	0.207 acres (9,000 sqft)
Owner	Individual Name on File
Last Sale	$196,000 (Jul 2026)
Tax Bill	$3,344 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage May 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-17-476-034`

Property Details

APN / Parcel Number

Primary APN	`8913-17-476-034`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	924 sqft Living Area
1st Floor Area	924 sqft
Basement Area	924 sqft
Finished Basement	350 sqft
Unfinished Basement	924 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Split Foyer
Exterior Material	Composition/Composite
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	9,000 sqft (0.207 acres)
Lot Dimensions	150 ft deep x 60 ft wide
Deck Area	172 sqft
Patio Area	172 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	149 VERA DR
City	WATERLOO
State	IA
Zip	50701-1053
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOBDELLS SECOND ADDITION TO CASTLE HILL LOT 24 EXC W 30 FT
Legal Range	13W
Legal Township	89N
Legal Section	17
Legal Subdivision	LOBDELLS SECOND ADDITION
Legal Lot Number	24
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2020
Census Tract	1503

Owner

149 Vera Dr is owned and occupied by an individual who bought it in July 2026.

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 File
Mailing Address	149 VERA DR, WATERLOO, IA 50701-1053
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2026	Warranty Deed, Transfer · Conventional Mortgage UNION CREDIT UNION
May 2, 2024	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 10, 2026 · Amount on File
Deed Sale	Jul 10, 2026 · Amount on File
Prior Sale	May 2, 2024 · Amount on File
Deed Document Number	202610337
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jul 10, 2026
Property Address	149 VERA DR, WATERLOO, IA 50701-1053
Document Number	0000010337
Instrument Date	Jul 9, 2026
Instrument	202610337
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$31,592.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	149 VERA DR, WATERLOO, IA 50701-1053

Mortgage

Document Number	0000010338,
Date	Jul 10, 2026
Instrument	202610338

Lender

Name	UNION CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

May 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 2, 2024
Property Address	149 VERA DR, WATERLOO, IA 50701-1053
Document Number	202400013656
Instrument Date	Apr 12, 2024
Instrument	202400013656
Transaction Type	Transfer
Record Updated	Oct 17, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$262.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	149 VERA DR, WATERLOO, IA 50701-1053

Mortgage

Document Number	0202413657
Date	May 2, 2024
Instrument	2024-13657

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2054

Tax Assessment & Valuation

The 2025 property tax bill for 149 Vera Dr was $3,344, up 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	$3,344.00 (+6.97%)	$163,810 Land $22,950 Building $140,860	$163,810 Land $22,950 Building $140,860
2024	$3,126.00
2023		$144,060 (+22.88%) Land $22,950 Building $121,110	$144,060 Land $22,950 Building $121,110
2022	$2,306.00 Homeowner's exemption	$117,240 Land $22,950 Building $94,290
2021			$117,240 Land $22,950 Building $94,290

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

Flood

FEMA maps place 149 Vera Dr in Zone X, an area of minimal flood risk, though there have been 58 flood claims nearby since 1978.

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	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

Wildfire risk around 149 Vera Dr 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 99.8% of the US · lower than 98.1% 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 361 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
CenturyLink DSL	140 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Cedar Falls Utilities, GigFire, Nextlink.

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