Black Hawk County property record for 201 Joy Dr, Waterloo, IA 50701
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,116 sqft · built 1948 |
| Lot Size | 0.265 acres (11,564 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $130,000 (Mar 2025) |
| Tax Bill | $3,826 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Mar 2025 Foreclosure |
| Flood Zone | Zone X (minimal risk) |
| APN | 8913-21-204-004 |
| Primary APN | 8913-21-204-004 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,116 sqft Living Area |
| 1st Floor Area | 1,116 sqft |
| Basement Area | 1,116 sqft |
| Finished Basement | 350 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,564 sqft (0.265 acres) |
| Lot Dimensions | 98 ft deep x 118 ft wide |
| Garage Type | Detached |
| Garage Area | 432 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 96 sqft |
| Deck Area | 200 sqft |
| Patio Area | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 201 JOY DR |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50701-1823 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CLYDE MILLER HEIGHTS IN CASTLE HILL LOT 6 BLK 1 LOT 7 BLK 1 |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 21 |
| Legal Subdivision | CLYDE MILLER HEIGHTS |
| Legal Block | 1 |
| Legal Lot Number | 6,7 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 1503 |
Source: Black Hawk County records, as of September 1, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 201 JOY DR, WATERLOO, IA 50701-1823 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 26, 2025 | Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU |
| Mar 14, 2025 | Legal Action/Court Order, Foreclosure · Conventional Mortgage VERIDIAN CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 14, 2025 · Amount on Record |
| Deed Sale | Mar 14, 2025 · Amount on Record |
| Deed Document Number | 20253393 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 201 JOY DR, WATERLOO, IA 50701-1823 |
| Transaction Type | Mortgage |
| Record Updated | Dec 4, 2025 |
| Title Company | TITLE SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0202517479 |
|---|---|
| Date | Nov 26, 2025 |
| Instrument | 2025-17479 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | 1827 ANSBOROUGH AVE, WATERLOO, IA 50701 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.62% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Dec 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 4.62% |
| Max Rate At Change | 8.62% |
| Index | 1-Year CMT |
| Max Rate | 12.6% |
| Document Type | Legal Action/Court Order |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Mar 14, 2025 |
| Property Address | 201 JOY DR, WATERLOO, IA 50701-1823 |
| Document Number | 0202503393 |
| Instrument Date | Mar 11, 2025 |
| Instrument | 2025-03393 |
| Transaction Type | Foreclosure |
| Record Updated | Oct 21, 2025 |
| Title Company | TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $207.20 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 201 JOY DR, WATERLOO, IA 50701-1823 |
| Document Number | 0202503394 |
|---|---|
| Date | Mar 14, 2025 |
| Instrument | 2025-03394 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.12% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Apr 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 5.12% |
| Max Rate At Change | 9.12% |
| Index | 1-Year CMT |
| Max Rate | 13.1% |
Source: Black Hawk County assessment roll, as of October 17, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,826.00 (+27.62%) Homeowner's exemption | $187,510 (+9.94%) Land $34,130 Building $153,380 | $187,510 (+9.94%) Land $34,130 Building $153,380 |
| 2024 | $2,998.00 (+3.17%) | ||
| 2023 | $170,560 (+17.99%) Land $34,130 Building $136,430 | $170,560 (+17.99%) Land $34,130 Building $136,430 | |
| 2022 | $2,906.00 Homeowner's exemption | $144,550 Land $34,130 Building $110,420 | |
| 2021 | $144,550 Land $34,130 Building $110,420 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Claims | 1 (2013) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2013 · tidal / storm surge |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 91% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 273 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| Nextlink Fixed Wireless | 100 / 20 |
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