2136 Cardinal Dr, Waterloo, IA 50701 Property Records

Black Hawk County property record for 2136 Cardinal Dr, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,140 sqft · built 1968
Lot Size	0.307 acres (13,370 sqft)
Owner	2 Individual Names on File
Last Sale	$139,000 (Jul 2014)
Tax Bill	$3,604 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Jul 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`8913-17-452-019`

Property Details

APN / Parcel Number

Primary APN	`8913-17-452-019`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,140 sqft Living Area
1st Floor Area	1,140 sqft
Basement Area	1,140 sqft
Finished Basement	400 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Exterior Material	Composition/Composite
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,370 sqft (0.307 acres)
Lot Dimensions	191 ft deep x 70 ft wide
Garage Type	Detached
Garage Area	926 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	2136 CARDINAL DR
City	WATERLOO
State	IA
Zip	50701-1006
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HANSMEIERS ADDITION LOT 15
Legal Range	13W
Legal Township	89N
Legal Section	17
Legal Subdivision	HANSMEIERS ADDITION
Legal Lot Number	15
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2022
Census Tract	1503

Owner

2136 Cardinal Dr is owned and occupied by two individuals who bought it in July 2014.

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

Owner of Record	2 Individual Names on File
Mailing Address	2136 CARDINAL DR, WATERLOO, IA 50701-1006
Occupancy	Owner Occupied
Owner Type	Individual

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
Nov 30, 2022	Deed of Trust, Mortgage · Line of Credit GREENSTATE CU
Jul 22, 2021	Deed of Trust, Mortgage · Line of Credit GREENSTATE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2014 · Amount on File
Deed Sale	Jul 22, 2014 · Amount on File
Prior Sale	Oct 18, 2007 · Amount on File
Deed Document Number	2014201500001245
Prior Transfer Date	Oct 17, 2007
Prior Transfer Doc	2008008532
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2136 CARDINAL DR, WATERLOO, IA 50701-1006
Transaction Type	Mortgage
Record Updated	Dec 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202300008453
Date	Nov 30, 2022
Instrument	202300008453

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Nov 29, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2136 CARDINAL DR, WATERLOO, IA 50701-1006
Transaction Type	Mortgage
Record Updated	Aug 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200001779
Date	Jul 22, 2021
Instrument	202200001779

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jul 15, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 2136 Cardinal Dr was $3,604 with a homeowner's exemption, up 1.2% 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	Cedar Falls Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,604.00 (+1.24%) Homeowner's exemption	$198,250 Land $28,610 Building $169,640	$198,250 Land $28,610 Building $169,640
2024	$3,560.00
2023		$182,690 (+23.95%) Land $28,610 Building $154,080	$182,690 Land $28,610 Building $154,080
2022	$3,188.00 Homeowner's exemption	$147,390 Land $28,610 Building $118,780
2021			$147,390 Land $28,610 Building $118,780

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

Flood

FEMA maps place 2136 Cardinal 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 2136 Cardinal Dr is low, with 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 96% of the US · lower than 71% 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 274 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cedar Falls Utilities Fiber	10,000 / 10,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Metronet, Nextlink.

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