2227 Casper Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 2227 Casper Ave, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,016 sqft · built 1978
Lot Size	0.19 acres (8,260 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,898 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-33-281-013`

Property Details

APN / Parcel Number

Primary APN	`8913-33-281-013`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	1,016 sqft Living Area
1st Floor Area	1,016 sqft
Basement Area	1,016 sqft
Finished Basement	625 sqft
Unfinished Basement	1,016 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Split Level
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,260 sqft (0.19 acres)
Lot Dimensions	118 ft deep x 70 ft wide
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	2227 CASPER AVE
City	WATERLOO
State	IA
Zip	50701-3832
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BONDS ADDITION LOT 4
Legal Range	13W
Legal Township	89N
Legal Section	33
Legal Subdivision	BONDS ADDITION
Legal Lot Number	4
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1008
Census Tract	1501

Owner

Source: Black Hawk County records, as of May 27, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2227 CASPER AVE, WATERLOO, IA 50701-3832
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2022	Warranty Deed, Transfer · FHA Mortgage LINCOLN SAVINGS BANK
Feb 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANKIOWA
Feb 19, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance GREENSTATE CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 11, 2015
Transfer Doc	2016000052
Record Updated	Sep 20, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Feb 8, 2022
Property Address	2227 CASPER AVE, WATERLOO, IA 50701-3832
Document Number	202200016128
Instrument Date	Jan 27, 2022
Instrument	202200016128
Transaction Type	Transfer
Record Updated	Feb 21, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$353.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2227 CASPER AVE, WATERLOO, IA 50701-3832

Mortgage

Document Number	202200016129
Date	Feb 8, 2022
Instrument	202200016129

Lender

Name	LINCOLN SAVINGS BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2227 CASPER AVE, WATERLOO, IA 50701-3832
Transaction Type	Mortgage
Record Updated	Mar 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100017323
Date	Feb 17, 2021
Instrument	202100017323

Lender

Name	BANKIOWA
Type	Bank
Address	INDEPENDENCE, IA 50644

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2036

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2227 CASPER AVE, WATERLOO, IA 50701-3832
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000014376
Date	Feb 19, 2020
Instrument	202000014376

Lender

Name	GREENSTATE CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

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	$3,898.00	$204,140 (+13.59%) Land $24,680 Building $179,460	$204,140 (+13.59%) Land $24,680 Building $179,460
2024	$3,898.00 (+17.69%)
2023		$179,720 (+19.15%) Land $24,680 Building $155,040	$179,720 (+19.15%) Land $24,680 Building $155,040
2022	$3,312.00 Homeowner's exemption	$150,830 Land $24,680 Building $126,150
2021			$150,830 Land $24,680 Building $126,150

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	15 (1979–2020)
Most Recent Claim	Jul 2020 · rainfall accumulation
Claims by Event	Severe Storms, Flooding, And Tornadoes, Jul 2010 · 3 claims Severe Storms & Flooding, Jul 1993 · 4 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 Risk	Low lower than 96% of the US · lower than 71% of Iowa
Wildfire Likelihood	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 252 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 · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

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