Black Hawk County property record for 2161 Cardinal Dr, Waterloo, IA 50701
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,320 sqft · built 1949 |
| Lot Size | 0.306 acres (13,320 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,932 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 8913-17-454-003 |
| Primary APN | 8913-17-454-003 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,320 sqft Living Area |
| 1st Floor Area | 1,320 sqft |
| Basement Area | 1,320 sqft |
| Finished Basement | 500 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1949 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,320 sqft (0.306 acres) |
| Lot Dimensions | 180 ft deep x 74 ft wide |
| Garage Type | Detached |
| Garage Area | 720 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 80 sqft |
| Patio Area | 192 sqft |
| Shed | 1 Shed |
| Shed Area | 130 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 2161 CARDINAL DR |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50701-1083 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MIDWAY IN CASTLE HILL LOT 13 |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 17 |
| Legal Subdivision | MIDWAY IN CASTLE HILL |
| Legal Lot Number | 13 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 1503 |
2161 Cardinal Dr is owned and occupied by an individual.
Source: Black Hawk County records, as of September 1, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2161 CARDINAL DR, WATERLOO, IA 50701-1083 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 2161 Cardinal Dr was $3,932 with a homeowner's exemption, up 2.3% from the year before.
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 | Cedar Falls Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,932.00 (+2.34%) Homeowner's exemption | $229,940 Land $29,970 Building $199,970 | $229,940 Land $29,970 Building $199,970 |
| 2024 | $3,842.00 | ||
| 2023 | $210,040 (+21.22%) Land $29,970 Building $180,070 | $210,040 Land $29,970 Building $180,070 | |
| 2022 | $3,784.00 Homeowner's exemption | $173,270 Land $29,970 Building $143,300 | |
| 2021 | $173,270 Land $29,970 Building $143,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2161 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 |
|
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 risk around 2161 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.
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 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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