211 Normandy St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 211 Normandy St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 470 sqft · built 1941
Lot Size	0.365 acres (15,920 sqft)
Owner	Individual Name on Record
Last Sale	$45,000 (Dec 2020)
Tax Bill	$1,086 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Dec 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (reduced by levee)
APN	`8913-15-251-010`

Property Details

APN / Parcel Number

Primary APN	`8913-15-251-010`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Half Baths	2 Half Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	470 sqft Living Area
1st Floor Area	470 sqft
Basement Area	470 sqft
Unfinished Basement	470 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1941
Exterior Material	Other
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,920 sqft (0.365 acres)
Lot Dimensions	199 ft deep x 80 ft wide
Garage Type	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	144 sqft
Deck Area	Deck Area
Patio Area	42 sqft
Shed	1 Shed
Shed Area	147 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	211 NORMANDY ST
City	WATERLOO
State	IA
Zip	50703-1631
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CEDAR BEND ADDITION LOT 10 BLK 2
Legal Range	13W
Legal Township	89N
Legal Section	15
Legal Subdivision	CEDAR BEND ADDITION
Legal Block	2
Legal Lot Number	10
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2017
Census Tract	1600

Owner

Source: Black Hawk County records, as of October 9, 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	211 NORMANDY ST, WATERLOO, IA 50703-1631
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2025	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Dec 22, 2020	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Sep 5, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance VERIDIAN CREDIT UNION
Jul 30, 2019	Deed of Trust, Mortgage · Balloon Mortgage VERIDIAN CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 22, 2020 · Amount on Record
Deed Sale	Dec 22, 2020 · Amount on Record
Deed Document Number	20202100013292
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	211 NORMANDY ST, WATERLOO, IA 50703-1631
Transaction Type	Mortgage
Record Updated	Nov 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	211 NORMANDY ST, WATERLOO, IA 50703-1631

Mortgage

Document Number	0202516627
Date	Nov 13, 2025
Instrument	2025-16627

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	PO BOX 6000, WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Nov 12, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Dec 22, 2020
Property Address	211 NORMANDY ST, WATERLOO, IA 50703-1631
Document Number	202100013292
Instrument Date	Dec 14, 2020
Instrument	202100013292
Transaction Type	Transfer
Record Updated	Feb 10, 2022
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$71.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	211 NORMANDY ST, WATERLOO, IA 50703-1631

Mortgage

Document Number	202100013293
Date	Dec 22, 2020
Instrument	202100013293

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	211 NORMANDY ST, WATERLOO, IA 50703-1631
Transaction Type	Mortgage
Record Updated	Oct 9, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000004287
Date	Sep 5, 2019
Instrument	202000004287

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	211 NORMANDY ST, WATERLOO, IA 50703-1631
Transaction Type	Mortgage
Record Updated	Aug 21, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000001860
Date	Jul 30, 2019
Instrument	202000001860

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

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	$1,086.00 (+1.69%) Homeowner's exemption	$64,110 (+7.77%) Land $17,760 Building $46,350	$64,110 (+7.77%) Land $17,760 Building $46,350
2024	$1,068.00 (+22.76%)
2023		$59,490 (+22.61%) Land $17,760 Building $41,730	$59,490 (+22.61%) Land $17,760 Building $41,730
2022	$870.00 Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption	$48,520 Land $17,760 Building $30,760
2021			$48,520 Land $17,760 Building $30,760

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 reduced by levee · depends on levee performance
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (1978–1980)
Most Recent Claim	Jun 1980 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 76% of Iowa
Wildfire Likelihood	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 171 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
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

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