224 Gunner Rd, Waterloo, IA 50701 Property Records

Black Hawk County property record for 224 Gunner Rd, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 912 sqft · built 1970
Lot Size	0.227 acres (9,900 sqft)
Owner	2 Individual Names on Record
Last Sale	$132,500 (Aug 2008)
Tax Bill	$3,944 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Jul 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-33-276-016`

Property Details

APN / Parcel Number

Primary APN	`8913-33-276-016`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	912 sqft Living Area
1st Floor Area	912 sqft
Basement Area	912 sqft
Finished Basement	525 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	9,900 sqft (0.227 acres)
Lot Dimensions	90 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Deck Area	454 sqft
Patio Area	418 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	224 GUNNER RD
City	WATERLOO
State	IA
Zip	50701-3748
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BRUGGEMANS REPLAT OF LOT 24 PARK VIEW GARDENS LOT 32
Legal Range	13W
Legal Township	89N
Legal Section	33
Legal Subdivision	BRUGGEMANS REPLAT OF LOT 24
Legal Lot Number	24,32
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1003
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	224 GUNNER RD, WATERLOO, IA 50701-3748
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2026	Deed of Trust, Mortgage · Line of Credit CEDAR FALLS COMMUNITY CREDIT UNION
Jul 15, 2019	Deed of Trust, Mortgage · Balloon Mortgage CEDAR FALLS COMMUNITY CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 18, 2008 · Amount on Record
Deed Sale	Aug 18, 2008 · Amount on Record
Deed Document Number	20082009003844
Prior Transfer Date	Aug 14, 2008
Prior Transfer Doc	2009003844
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 3, 2026
Property Address	224 GUNNER RD, WATERLOO, IA 50701-3748
Document Number	0000008105
Instrument Date	May 27, 2026
Instrument	20268105
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 GUNNER RD, WATERLOO, IA 50701-3748

Mortgage

Document Number	0000008105,
Date	Jun 3, 2026
Instrument	20268105

Lender

Name	CEDAR FALLS COMMUNITY CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2041

Interest

Rate	5.64%
Max Rate	-1%

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	224 GUNNER RD, WATERLOO, IA 50701-3748
Transaction Type	Mortgage
Record Updated	Aug 7, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000000949
Date	Jul 15, 2019
Instrument	202000000949

Lender

Name	CEDAR FALLS COMMUNITY CREDIT UNION

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

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	$3,944.00 (+15.39%) Homeowner's exemption	$204,160 (+21.68%) Land $27,600 Building $176,560	$204,160 (+21.68%) Land $27,600 Building $176,560
2024	$3,418.00 (+11.19%)
2023		$167,790 (+12.74%) Land $27,600 Building $140,190	$167,790 (+12.74%) Land $27,600 Building $140,190
2022	$3,074.00 Homeowner's exemption	$148,830 Land $27,600 Building $121,230
2021			$148,830 Land $27,600 Building $121,230

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 99.8% of the US · lower than 98.1% 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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