1705 Pinehurst Ln, Waterloo, IA 50701 Property Records

Black Hawk County property record for 1705 Pinehurst Ln, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,616 sqft · built 1976
Lot Size	0.448 acres (19,514 sqft)
Owner	2 Individual Names on Record
Tax Bill	$7,068 (2025)
Deeds & Mortgages	May 2020 Mortgage May 2020 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8813-05-326-016`

Property Details

APN / Parcel Number

Primary APN	`8813-05-326-016`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Building Area	1,616 sqft Living Area
1st Floor Area	1,616 sqft
Basement Area	1,616 sqft
Finished Basement	625 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Split Level
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	19,514 sqft (0.448 acres)
Lot Dimensions	127 ft deep x 167 ft wide
Garage Type	Attached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	116 sqft
Deck Area	492 sqft
Patio Area	780 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1705 PINEHURST LN
City	WATERLOO
State	IA
Zip	50701-4530
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WATERLOO COUNTRY CLUB ADDITION LOT 96
Legal Range	13W
Legal Township	88N
Legal Section	05
Legal Subdivision	WATERLOO COUNTRY CLUB ADDITION
Legal Lot Number	96
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2006
Census Tract	1501

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	2 Individual Names on Record
Mailing Address	1705 PINEHURST LN, WATERLOO, IA 50701-4530
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
May 6, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1705 PINEHURST LN, WATERLOO, IA 50701-4530
Transaction Type	Mortgage
Record Updated	Jun 17, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000019178
Date	May 5, 2020
Instrument	202000019178

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Type Change Date	May 1, 2030
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	10.6%
Index	1-Year LIBOR
Max Rate	10.6%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1705 PINEHURST LN, WATERLOO, IA 50701-4530
Transaction Type	Mortgage
Record Updated	Jun 17, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000019233
Date	May 6, 2020
Instrument	202000019233

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	May 1, 2030

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	$7,068.00 (-5.79%) Homeowner's exemption	$371,850 (+0.57%) Land $95,500 Building $276,350	$371,850 (+0.57%) Land $95,500 Building $276,350
2024	$7,502.00 (+25.54%)
2023		$369,730 (+31.57%) Land $95,500 Building $274,230	$369,730 (+31.57%) Land $95,500 Building $274,230
2022	$5,976.00 Homeowner's exemption	$281,010 Land $95,500 Building $185,510
2021			$281,010 Land $95,500 Building $185,510

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	12 units insured incl. 4 condo units
Nearby Flood Claims	1 (2004)
Most Recent Claim	Jun 2004 · Severe Storms, Tornadoes, And Flooding

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 80% of the US · above 49% of Iowa
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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 56 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
GigFire Fixed Wireless	150 / 130

May also be available: Nextlink.

Cell Coverage

5G (outdoors only) and 4G LTE

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