1845 Red Tail Dr, Waterloo, IA 50701 Property Records

Black Hawk County property record for 1845 Red Tail Dr, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 1,670 sqft · built 2022
Lot Size	0.494 acres (21,534 sqft)
Owner	2 Trust Names on File
Last Sale	$544,000 (Oct 2024)
Tax Bill	$1,696 (2025)
Deeds & Mortgages	Oct 2023 Second Mortgage Oct 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8813-08-177-011`

Property Details

APN / Parcel Number

Primary APN	`8813-08-177-011`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,670 sqft Living Area
Basement Area	1,670 sqft
Finished Basement	975 sqft
Unfinished Basement	1,670 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Other
Roof Type	Hip
Roof Material	Asphalt
Lot Area	21,534 sqft (0.494 acres)
Lot Dimensions	194 ft deep x 107 ft wide
Garage Type	Attached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	99 sqft
Deck Area	132 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1845 RED TAIL DR
City	WATERLOO
State	IA
Zip	50701-9610
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AUDUBON HILLS SECOND ADDITION LOT 19
Legal Range	13W
Legal Township	88N
Legal Section	08
Legal Subdivision	AUDUBON HILLS SECOND ADDITION
Legal Lot Number	19
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1020
Census Tract	3001

Owner

1845 Red Tail Dr is owner-occupied and held in a trust since July 2025.

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

Owner of Record	2 Trust Names on File
Mailing Address	1845 RED TAIL DR, WATERLOO, IA 50701-9610
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Oct 19, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage GREENSTATE CU
Oct 19, 2023	Deed of Trust, Mortgage · Conventional Mortgage GREENSTATE CU
Feb 23, 2023	Warranty Deed, Construction Loan · Construction Mortgage GREENSTATE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 19, 2024 · Amount on File
Deed Sale	Oct 19, 2024 · Amount on File
Prior Sale	Oct 19, 2023 · Amount on File
Deed Document Number	20245358
Last Transfer Date	Jul 18, 2025
Transfer Doc	0202510651
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1845 RED TAIL DR, WATERLOO, IA 50701-9610
Transaction Type	Mortgage
Record Updated	Nov 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202400005360
Date	Oct 19, 2023
Instrument	202400005360

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Nov 5, 2033

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1845 RED TAIL DR, WATERLOO, IA 50701-9610
Transaction Type	Mortgage
Record Updated	Nov 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202400005359
Date	Oct 19, 2023
Instrument	202400005359

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 5, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 5, 2030
Change Frequency	Annually
Min Rate At Change	5.12%
Max Rate At Change	9.12%
Index	1-Year T-Bill
Max Rate	13.1%

February 2023: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Feb 23, 2023
Property Address	1845 RED TAIL DR, WATERLOO, IA 50701-9610
Document Number	202300011694
Instrument Date	Dec 6, 2022
Instrument	202300011694
Transaction Type	Construction Loan
Record Updated	Oct 20, 2023

Transaction

Amount	Amount on Record
Tax	$125.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 277, CEDAR FALLS, IA 50613-0018

Mortgage

Document Number	202300011695
Date	Feb 23, 2023
Instrument	202300011695

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 22, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 1845 Red Tail Dr was $1,696, down 0.7% 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	$1,696.00 (-0.7%)	$502,320 Land $83,090 Building $419,230	$502,320 Land $83,090 Building $419,230
2024	$1,708.00
2023		$111,330 (+454.99%) Land $78,710 Building $32,620	$111,330 Land $78,710 Building $32,620
2022	$440.00	$20,060 Land $20,060
2021			$20,060 Land $20,060

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1845 Red Tail Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1985.

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
Flood Insurance Cost	Premium on File median of 21 individual policies
Nearby Flood Policies	37 units insured incl. 16 condo units
Nearby Flood Claims	2 (1985–2020)
Most Recent Claim	Jun 2020 · rainfall accumulation

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 1845 Red Tail 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 98% of the US · lower than 82% of Iowa
Wildfire Likelihood	Under 0.01% 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 163 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
GigFire Fixed Wireless	150 / 130

May also be available: Nextlink.

Cell Coverage

5G (outdoors only) and 4G LTE

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