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2147 Cardinal Dr, Waterloo, IA 50701 Property Records

Black Hawk County property record for 2147 Cardinal Dr, Waterloo, IA 50701

Property Summary

Property TypeSingle Family Home
Details3 bd · 3.5 ba · 1,554 sqft · built 1997
Lot Size0.354 acres (15,435 sqft)
Owner2 Individual Names on File
Tax Bill$5,960 (2025)
Deeds & MortgagesMay 2022 Second Mortgage
Flood ZoneZone X (minimal risk)
APN8913-17-454-011

Property Details

APN / Parcel Number

Primary APN8913-17-454-011

Interior

Bedrooms3 Beds
Full Baths3.5 Baths
Half Baths3 Half Baths
Total Rooms4 Rooms
Stories1 Story
Building Area1,554 sqft Living Area
1st Floor Area1,554 sqft
Basement Area1,554 sqft
Finished Basement1,000 sqft
Game RoomGame Room
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1997
Effective Year BuiltEffective 1997
Exterior MaterialVinyl
Construction TypeFrame
Roof TypeGable
Roof MaterialMetal
Lot Area15,435 sqft (0.354 acres)
Lot Dimensions147 ft deep x 105 ft wide
Garage TypeAttached
Garage Area768 sqft
Parking Spaces3 Parking Spaces

Exterior Amenities

Deck Area192 sqft
Patio Area64 sqft
Shed1 Shed
Shed Area192 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC

Location & Zoning

Street Address2147 CARDINAL DR
CityWATERLOO
StateIA
Zip50701-1083
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionMIDWAY IN CASTLE HILL LOTS 11 AND 12 EXC S 75 FT EACH THEREOF
Legal Range13W
Legal Township89N
Legal Section17
Legal SubdivisionMIDWAY IN CASTLE HILL
Legal Lot Number11,12
JurisdictionBLACK HAWK IA
Township / Civil DivisionWATERLOO
Census Block Group2
Census Block2025
Census Tract1503

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on File
Mailing Address2147 CARDINAL DR, WATERLOO, IA 50701-1083
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Record UpdatedOct 29, 2026

May 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBLACK HAWK IA
Property Address2147 CARDINAL DR, WATERLOO, IA 50701-1083
Transaction TypeMortgage
Record UpdatedMay 26, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address2147 CARDINAL DR, WATERLOO, IA 50701-1083

Mortgage

Document Number202200021869
DateMay 13, 2022
Instrument202200021869
Lender
NameVERIDIAN CU
TypeCredit Union
AddressWATERLOO, IA 50704
Agreement
TypeStand-Alone Second Mortgage
AmountAmount on Record
Term60 Months
DueMay 25, 2027

Tax Assessment & Valuation

Source: Black Hawk County assessment roll, as of October 17, 2025

Property Jurisdictions

TypeName
StateIowa
CountyBlack Hawk County
MunicipalityWaterloo City
Unified School DistrictCedar Falls Community School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,960.00 (+2.76%) Homeowner's exemption$344,340 (+9.88%) Land $39,770 Building $304,570$344,340 (+9.88%) Land $39,770 Building $304,570
2024$5,800.00 (+7.49%)
2023$313,370 (+26.99%) Land $39,770 Building $273,600$313,370 (+26.99%) Land $39,770 Building $273,600
2022$5,396.00 Homeowner's exemption$246,770 Land $39,770 Building $207,000
2021$246,770 Land $39,770 Building $207,000

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 in force
Nearby Flood Claims58 (1978–2016)
Most Recent ClaimSep 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

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

Wildfire RiskLow
lower than 96% of the US · lower than 71% of Iowa
Wildfire Likelihood0.01% annual chance
ExposureDirect
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 SystemWATERLOO WATER WORKS
serves 69,504 people · EPA ID IA0790074
Water SourceGroundwater
Last State InspectionNov 2023
Lead2 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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