1817 Rainbow Dr, Waterloo, IA 50701 Property Records

Black Hawk County property record for 1817 Rainbow Dr, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 912 sqft · built 1957
Lot Size	0.277 acres (12,060 sqft)
Owner	2 Individual Names on File
Last Sale	$225,000 (Dec 2025)
Tax Bill	$3,160 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Jan 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-17-478-004`

Property Details

APN / Parcel Number

Primary APN	`8913-17-478-004`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	912 sqft Living Area
1st Floor Area	912 sqft
Basement Area	912 sqft
Finished Basement	450 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	12,060 sqft (0.277 acres)
Lot Dimensions	180 ft deep x 67 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Patio Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1817 RAINBOW DR
City	WATERLOO
State	IA
Zip	50701-1105
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOBDELLS ADD TO CASTLE HILL LOT 3
Legal Range	13W
Legal Township	89N
Legal Section	17
Legal Subdivision	LOBDELLS ADD TO CASTLE HILL
Legal Lot Number	3
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2030
Census Tract	1503

Owner

1817 Rainbow Dr is owned and occupied by two individuals who bought it in December 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	1817 RAINBOW DR, WATERLOO, IA 50701-1105
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Deeds, Mortgages & Sale History

Date	Document
Dec 31, 2025	Warranty Deed, Transfer · FHA Mortgage GREENSTATE CU
Jan 20, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 31, 2025 · Amount on File
Deed Sale	Dec 31, 2025 · Amount on File
Prior Sale	Jun 19, 2015 · Amount on File
Deed Document Number	202519203
Prior Transfer Date	Jun 13, 2006
Prior Transfer Doc	2006030146
Record Updated	Oct 29, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Dec 31, 2025
Property Address	1817 RAINBOW DR, WATERLOO, IA 50701-1105
Document Number	0202519203
Instrument Date	Dec 18, 2025
Instrument	2025-19203
Transaction Type	Transfer
Record Updated	Jan 9, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$359.20
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	1817 RAINBOW DR, WATERLOO, IA 50701-1105

Mortgage

Document Number	0202519204
Date	Dec 31, 2025
Instrument	2025-19204

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BLACK HAWK IA
Recording Date	Jan 20, 2022
Property Address	1817 RAINBOW DR, WATERLOO, IA 50701-1105
Document Number	202200014902
Instrument Date	Jan 12, 2022
Instrument	202200014902
Transaction Type	Transfer
Record Updated	Oct 20, 2023
Title Company	TITLE SERVICES

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3910 BRIARWOOD DR, CEDAR FALLS, IA 50613-7510

Mortgage

Document Number	202200014903
Date	Jan 20, 2022
Instrument	202200014903

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 1817 Rainbow Dr was $3,160, up 1.7% 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	$3,160.00 (+1.67%)	$154,830 Land $27,140 Building $127,690	$154,830 Land $27,140 Building $127,690
2024	$3,108.00
2023		$143,270 (+20.29%) Land $27,140 Building $116,130	$143,270 Land $27,140 Building $116,130
2022	$2,616.00	$119,100 Land $27,140 Building $91,960
2021			$119,100 Land $27,140 Building $91,960

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

Flood

FEMA maps place 1817 Rainbow 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 1817 Rainbow 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 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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