1909 Harrow Rd, Waterloo, IA 50701 Property Records

Black Hawk County property record for 1909 Harrow Rd, Waterloo, IA 50701

Property Summary

Property Type	Duplex
Details	4 bd · 3.5 ba · 1,536 sqft · built 1978
Lot Size	0.242 acres (10,560 sqft)
Owner	Company Name on File
Last Sale	$215,000 (Apr 2025)
Tax Bill	$4,942 (2025)
Deeds & Mortgages	Jun 2025 Line of Credit Apr 2025 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-20-230-005`

Property Details

APN / Parcel Number

Primary APN	`8913-20-230-005`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	3 Half Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,536 sqft Total Area
1st Floor Area	1,536 sqft
Basement Area	1,536 sqft
Finished Basement	600 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Duplex Single
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,560 sqft (0.242 acres)
Lot Dimensions	110 ft deep x 115 ft wide
Deck Area	80 sqft
Patio Area	190 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1909 HARROW RD
City	WATERLOO
State	IA
Zip	50701-1627
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	WESTBOURNE TERRACE THIRD ADDITION LOT 33
Legal Range	13W
Legal Township	89N
Legal Section	20
Legal Subdivision	WESTBOURNE TERRACE THIRD
Legal Lot Number	33
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2039
Census Tract	1503

Owner

1909 Harrow Rd, a duplex, is owned by a company that bought it in April 2025.

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

Owner of Record	Company Name on File
Mailing Address	3209 PHEASANT DR, CEDAR FALLS, IA 50613-1671
Owner Type	Company
Vesting	Limited Liability Partnership

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
Jun 4, 2025	Deed of Trust, Mortgage · Line of Credit FARMERS STATE BANK
Apr 4, 2025	Deed, Transfer · Line of Credit FARMERS STATE BANK
Apr 10, 2017	Deed, Transfer · Stand-Alone First Mortgage FARMERS STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 4, 2025 · Amount on File
Deed Sale	Apr 4, 2025 · Amount on File
Prior Sale	Apr 10, 2017 · Amount on File
Deed Document Number	20254455
Record Updated	Oct 29, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1909 HARROW RD, WATERLOO, IA 50701-1627
Transaction Type	Mortgage
Record Updated	Oct 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202507684
Date	Jun 4, 2025
Instrument	2025-07684

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	131 TOWER PARK DR STE 100, WATERLOO, IA 50701

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	357 Months
Due	Mar 26, 2055

Interest

Change Frequency	Monthly

April 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 4, 2025
Property Address	1909 HARROW RD, WATERLOO, IA 50701-1627
Document Number	0202504455
Instrument Date	Mar 26, 2025
Instrument	2025-04455
Transaction Type	Transfer
Record Updated	Oct 21, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$343.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3209 PLEASANT DR, CEDAR FALLS, IA 50613-1671

Mortgage

Document Number	0202507684
Date	Apr 4, 2025
Instrument	2025-07684

Lender

Name	FARMERS STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Mar 26, 2055

Interest

Change Frequency	Monthly

April 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 10, 2017
Property Address	1909 HARROW RD, WATERLOO, IA 50701-1627
Document Number	201700017694
Instrument Date	Apr 6, 2017
Instrument	2017-00017694
Transaction Type	Transfer
Record Updated	Apr 16, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$232.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	215 WALNUT ST, CEDAR FALLS, IA 50613-2715

Mortgage

Document Number	201700017695
Date	Apr 10, 2017
Instrument	2017-00017695

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	CEDAR FALLS, IA 50613

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 1909 Harrow Rd was $4,942, up 2.1% 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	$4,942.00 (+2.07%)	$242,120 Land $35,310 Building $206,810	$242,120 Land $35,310 Building $206,810
2024	$4,842.00
2023		$223,170 (+30.52%) Land $35,310 Building $187,860	$223,170 Land $35,310 Building $187,860
2022	$3,756.00	$170,980 Land $35,310 Building $135,670
2021			$170,980 Land $35,310 Building $135,670

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

Flood

FEMA maps place 1909 Harrow Rd 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 1909 Harrow Rd 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	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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