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223 Joy Dr, Waterloo, IA 50701 Property Records

Black Hawk County property record for 223 Joy Dr, Waterloo, IA 50701

Property Summary

Property TypeSingle Family Home
Details2 bd · 3 ba · 1,244 sqft · built 1956
Lot Size0.138 acres (6,000 sqft)
Owner2 Individual Names on Record
Last Sale$150,000 (Jan 2022)
Tax Bill$3,984 (2025)
Deeds & MortgagesJan 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN8913-21-278-020

Property Details

APN / Parcel Number

Primary APN8913-21-278-020

Interior

Bedrooms2 Beds
Full Baths3 Baths
Total Rooms5 Rooms
Stories1 Story
Building Area1,244 sqft Living Area
1st Floor Area1,244 sqft
Basement Area1,244 sqft
Finished Basement650 sqft
Unfinished Basement1,244 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1956
Effective Year BuiltEffective 1956
Exterior MaterialVinyl
Construction TypeFrame
Roof TypeGable
Roof MaterialAsphalt
Lot Area6,000 sqft (0.138 acres)
Lot Dimensions100 ft deep x 60 ft wide
Garage TypeDetached
Garage Area576 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC

Location & Zoning

Street Address223 JOY DR
CityWATERLOO
StateIA
Zip50701-1823
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCLYDE MILLER HGTS SECOND SUB A PART BEING LOCATED IN THE CITY OF WATERLOO AND THE REMAINDER IN THE TOWN OF CASTLE HILL LOT 5
Legal Range13W
Legal Township89N
Legal Section21
Legal SubdivisionCLYDE MILLER HGTS SECOND SUB
Legal Lot Number5
JurisdictionBLACK HAWK IA
Township / Civil DivisionWATERLOO
Census Block Group3
Census Block3003
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 Record
Mailing Address223 JOY DR, WATERLOO, IA 50701-1823
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 13, 2022 · Amount on Record
Deed SaleJan 13, 2022 · Amount on Record
Prior SaleMay 8, 2008 · Amount on Record
Deed Document Number202214507
Prior Transfer DateDec 6, 2013
Prior Transfer Doc2014011722
Record UpdatedOct 29, 2026

January 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBLACK HAWK IA
Recording DateJan 13, 2022
Property Address223 JOY DR, WATERLOO, IA 50701-1823
Document Number202200014507
Instrument DateJan 4, 2022
Instrument202200014507
Transaction TypeTransfer
Record UpdatedMar 22, 2022

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$239.20
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address223 JOY DR, 223, WATERLOO, IA 50701-1823

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address223 JOY DR, WATERLOO, IA 50701-1823

Mortgage

Document Number202200014508
DateJan 13, 2022
Instrument202200014508
Lender
NameWELLS FARGO BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 1, 2052

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 DistrictWaterloo Community School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,984.00 (+8.38%) Homeowner's exemption$206,150 (+14.74%) Land $17,160 Building $188,990$206,150 (+14.74%) Land $17,160 Building $188,990
2024$3,676.00 (+40.31%)
2023$179,660 (+40.13%) Land $17,160 Building $162,500$179,660 (+40.13%) Land $17,160 Building $162,500
2022$2,620.00 Homeowner's exemption$128,210 Land $17,160 Building $111,050
2021$128,210 Land $17,160 Building $111,050

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 Claims1 (2013)
Claims Outside the SFHA1 of 1
Most Recent ClaimMay 2013 · tidal / storm surge

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 RiskNot rated
no burnable land within 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 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 273 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Metronet
Fiber		5,120 / 5,120
Mediacom Xtream
Cable		1,000 / 50
Verizon
Fixed Wireless		300 / 20
GigFire
Fixed Wireless		150 / 130
AT&T
Fixed Wireless		100 / 20
T-Mobile
Fixed Wireless		100 / 20
Nextlink
Fixed Wireless		100 / 20

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