2228 Casper Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 2228 Casper Ave, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,028 sqft · built 1978
Lot Size	0.19 acres (8,260 sqft)
Owner	2 Individual Names on Record
Last Sale	$170,500 (Jun 2020)
Tax Bill	$4,082 (2025)
Deeds & Mortgages	Apr 2017 Mortgage Jun 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-33-280-005`

Property Details

APN / Parcel Number

Primary APN	`8913-33-280-005`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Building Area	1,028 sqft Living Area
1st Floor Area	1,028 sqft
Basement Area	1,028 sqft
Finished Basement	625 sqft
Unfinished Basement	1,028 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Split Foyer
Exterior Material	Vinyl
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

Exterior Amenities

Porch	Slab
Porch Area	82 sqft
Deck Area	264 sqft
Patio Area	140 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	2228 CASPER AVE
City	WATERLOO
State	IA
Zip	50701-3833
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BONDS ADDITION LOT 15
Legal Range	13W
Legal Township	89N
Legal Section	33
Legal Subdivision	BONDS ADDITION
Legal Lot Number	15
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1010
Census Tract	1501

Owner

Source: Black Hawk County records, as of September 1, 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	2228 CASPER AVE, WATERLOO, IA 50701-3833
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2017	Deed of Trust, Mortgage · ARM VERIDIAN CU
Jun 8, 2020	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Apr 13, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 8, 2020 · Amount on Record
Deed Sale	Jun 8, 2020 · Amount on Record
Deed Document Number	202021519
Prior Transfer Date	Mar 27, 2017
Prior Transfer Doc	0000017870
Record Updated	Oct 29, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2228 CASPER AVE, WATERLOO, IA 50701-3833
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700017813
Date	Apr 12, 2017
Instrument	2017-00017813

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2027
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.87%
Index	1-Year LIBOR
Max Rate	9.87%

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 8, 2020
Property Address	2228 CASPER AVE, WATERLOO, IA 50701-3833
Document Number	202000021519
Instrument Date	May 27, 2020
Instrument	202000021519
Transaction Type	Transfer
Record Updated	Feb 10, 2022
Title Company	TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$272.00
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	2228 CASPER AVE, WATERLOO, IA 50701-3833

Mortgage

Document Number	202000021520
Date	Jun 8, 2020
Instrument	202000021520

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 13, 2017
Property Address	2228 CASPER AVE, WATERLOO, IA 50701-3833
Document Number	201700017870
Instrument Date	Mar 27, 2017
Instrument	2017-00017870
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2228 CASPER AVE, WATERLOO, IA 50701-3833

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	$4,082.00 (+7.31%) Homeowner's exemption	$210,890 (+13.66%) Land $24,680 Building $186,210	$210,890 (+13.66%) Land $24,680 Building $186,210
2024	$3,804.00 (+13.48%)
2023		$185,540 (+14.87%) Land $24,680 Building $160,860	$185,540 (+14.87%) Land $24,680 Building $160,860
2022	$3,352.00 Homeowner's exemption	$161,520 Land $24,680 Building $136,840
2021			$161,520 Land $24,680 Building $136,840

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 99.1% of the US · lower than 91% 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 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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