221 Byrnes Dr, Waterloo, IA 50701 Property Records

Black Hawk County property record for 221 Byrnes Dr, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 2,184 sqft · built 1956
Lot Size	0.31 acres (13,500 sqft)
Owner	Individual Name on File
Last Sale	$262,500 (Oct 2026)
Tax Bill	$5,918 (2025)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Oct 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`8913-34-254-015`

Property Details

APN / Parcel Number

Primary APN	`8913-34-254-015`
Alternative APN	`891334254013`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,184 sqft Living Area
1st Floor Area	2,184 sqft
Basement Area	1,092 sqft
Finished Basement	175 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,500 sqft (0.31 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	575 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	70 sqft
Patio Area	280 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	221 BYRNES DR
City	WATERLOO
State	IA
Zip	50701-3905
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PROSPECT HILLS ADDITION ALL LOT 112 EXC COM AT SE COR TH WLY 25 FT TH NLY TO NE COR TH SELY TO PT OF BEG
Legal Range	13W
Legal Township	89N
Legal Section	34
Legal Subdivision	PROSPECT HILLS ADDITION
Legal Lot Number	112
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	4
Census Block	4012
Census Tract	1400

Owner

221 Byrnes Dr is owned and occupied by an individual who bought it in October 2026.

Source: Black Hawk County records, as of October 14, 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 Record	Individual Name on File
Mailing Address	221 BYRNES DR, WATERLOO, IA 50701-3905
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2026	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CREDIT UNION
Oct 2, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 5, 2026 · Amount on File
Deed Sale	Oct 5, 2026 · Amount on File
Prior Sale	Dec 18, 2014 · Amount on File
Deed Document Number	202615134
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 5, 2026
Property Address	221 BYRNES DR, WATERLOO, IA 50701-3905
Document Number	0000015134
Instrument Date	Sep 28, 2026
Instrument	202615134
Transaction Type	Transfer
Record Updated	Oct 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$42,339.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 BYRNES DR, WATERLOO, IA 50701-3905

Mortgage

Document Number	0000015136,
Date	Oct 5, 2026
Instrument	202615136

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	481 Months
Due	Nov 1, 2066

Interest

Rate Type	Adjustable Rate
Rate	5.88%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Mortgage

Document Number	0000015137,
Date	Oct 5, 2026
Instrument	202615137

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Amount	Amount on Record
Term	84 Months
Due	Nov 1, 2033

Interest

Max Rate	-1%

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 2, 2017
Property Address	221 BYRNES DR, WATERLOO, IA 50701-3905
Document Number	201800005768
Instrument Date	Sep 29, 2017
Instrument	2018-00005768
Transaction Type	Transfer
Record Updated	Mar 18, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 SUNSET RD, WATERLOO, IA 50701-3927

Tax Assessment & Valuation

The 2025 property tax bill for 221 Byrnes Dr was $5,918, down 2.6% 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	Waterloo Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,918.00 (-2.63%)	$290,000 Land $38,080 Building $251,920	$290,000 Land $38,080 Building $251,920
2024	$6,078.00
2023		$280,210 (+18.86%) Land $38,080 Building $242,130	$280,210 Land $38,080 Building $242,130
2022	$5,178.00	$235,750 Land $38,080 Building $197,670
2021			$235,750 Land $38,080 Building $197,670

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

Flood

FEMA maps place 221 Byrnes Dr in Zone X, an area of minimal flood risk.

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	1 in force

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 221 Byrnes Dr is low, with less than 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 98% of the US · lower than 82% 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.

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 163 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Waterloo Fiber Fiber	10,000 / 10,000
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable	1,000 / 50
GigFire Fixed Wireless	150 / 130
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink, Verizon.

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