Black Hawk County property record for 225 Zelmar Dr, Waterloo, IA 50701
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,014 sqft · built 1957 |
| Lot Size | 0.161 acres (7,015 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $152,000 (Mar 2024) |
| Tax Bill | $2,940 (2025) |
| Deeds & Mortgages | Dec 2008 Mortgage Dec 2008 Mortgage + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 8913-21-280-001 |
| Primary APN | 8913-21-280-001 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,014 sqft Living Area |
| 1st Floor Area | 1,014 sqft |
| Basement Area | 1,014 sqft |
| Unfinished Basement | 1,014 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 7,015 sqft (0.161 acres) |
| Lot Dimensions | 115 ft deep x 100 ft wide |
| Garage Type | Carport |
| Garage Area | 390 sqft |
| Carport | Carport |
| Carport Area | 390 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 225 ZELMAR DR |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50701-1857 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ZELMAR ADDITION LOT 12 |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 21 |
| Legal Subdivision | ZELMAR ADDITION |
| Legal Lot Number | 12 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 1503 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 225 ZELMAR DR, WATERLOO, IA 50701-1857 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 1, 2008 | Deed of Trust, Mortgage FARMERS STATE BANK |
| Dec 1, 2008 | Deed of Trust, Mortgage · Conventional Mortgage FARMERS STATE BANK |
| Mar 11, 2024 | Deed of Trust, Mortgage · Line of Credit GERSHMAN INVESTMENT CORP |
| Mar 11, 2024 | Deed of Trust, Mortgage · FHA Mortgage GERSHMAN INVESTMENT CORP |
| Mar 11, 2024 | Warranty Deed, Transfer · FHA Mortgage GERSHMAN INVESTMENT CORP |
| Sep 22, 2014 | Warranty Deed, Transfer · Conventional Mortgage INSPIRED FINANCIAL SERVICES |
| May 21, 2012 | Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU |
| Jan 4, 2005 | Warranty Deed, Transfer · Conventional Mortgage COUNTRYWIDE HOME LOANS INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 11, 2024 · Amount on Record |
| Deed Sale | Mar 11, 2024 · Amount on Record |
| Prior Sale | Sep 22, 2014 · Amount on Record |
| Deed Document Number | 202410994 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 225 ZELMAR DR, WATERLOO, IA 50701-1857 |
| Transaction Type | Mortgage |
| Record Updated | Feb 19, 2026 |
| Title Company | TITLE SERVICES |
| Name | Verified Name |
|---|
| Document Number | 2009010519 |
|---|---|
| Date | Dec 1, 2008 |
| Instrument | 2009010519 |
| Name | FARMERS STATE BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 225 ZELMAR DR, WATERLOO, IA 50701-1857 |
| Transaction Type | Mortgage |
| Record Updated | Feb 19, 2026 |
| Title Company | TITLE SERVICES |
| Name | Verified Name |
|---|
| Document Number | 2009010518 |
|---|---|
| Date | Dec 1, 2008 |
| Instrument | 2009010518 |
| Name | FARMERS STATE BANK |
|---|---|
| Type | Bank |
| Address | CEDAR FALLS, IA 50613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 225 ZELMAR DR, WATERLOO, IA 50701-1857 |
| Transaction Type | Mortgage |
| Record Updated | Feb 19, 2026 |
| Title Company | TITLE SERVICES |
| Name | Verified Name |
|---|---|
| Address | 225 ZELMAR DR, WATERLOO, IA 50701-1857 |
| Document Number | 202400010996 |
|---|---|
| Date | Mar 11, 2024 |
| Instrument | 202400010996 |
| Name | GERSHMAN INVESTMENT CORP |
|---|---|
| Type | Mortgage Company |
| Address | 16253 SWINGLEY RIDGE RD STE 200, CHESTERFIELD, MO 63017 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2054 |
| Change Frequency | Monthly |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 225 ZELMAR DR, WATERLOO, IA 50701-1857 |
| Transaction Type | Mortgage |
| Record Updated | Feb 11, 2026 |
| Title Company | TITLE SERVICES |
| Name | Verified Name |
|---|
| Document Number | 202400010995 |
|---|---|
| Date | Mar 11, 2024 |
| Instrument | 202400010995 |
| Name | GERSHMAN INVESTMENT CORP |
|---|---|
| Type | Mortgage Company |
| Address | 16253 SWINGLEY RIDGE RD STE 200, CHESTERFIELD, MO 63017 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Mar 11, 2024 |
| Property Address | 225 ZELMAR DR, WATERLOO, IA 50701-1857 |
| Document Number | 202400010994 |
| Instrument Date | Mar 8, 2024 |
| Instrument | 202400010994 |
| Transaction Type | Transfer |
| Record Updated | Feb 19, 2026 |
| Title Company | TITLE SERVICES CORPORATION |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $242.40 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 225 ZELMAR DR, WATERLOO, IA 50701-1857 |
| Document Number | 202400010995 |
|---|---|
| Date | Mar 11, 2024 |
| Instrument | 202400010995 |
| Name | GERSHMAN INVESTMENT CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Sep 22, 2014 |
| Property Address | 225 ZELMAR DR, WATERLOO, IA 50701-1857 |
| Document Number | 201500005140 |
| Instrument Date | Sep 18, 2014 |
| Instrument | 201500005140 |
| Transaction Type | Transfer |
| Record Updated | Feb 19, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $181.60 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 225 ZELMAR DR, WATERLOO, IA 50701-1857 |
| Investor | Possibly a Property Investor |
| Document Number | 201500005141 |
|---|---|
| Date | Sep 22, 2014 |
| Instrument | 201500005141 |
| Name | INSPIRED FINANCIAL SERVICES |
|---|---|
| Address | CEDAR FALLS, IA 50613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2044 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | May 21, 2012 |
| Property Address | 225 ZELMAR DR, WATERLOO, IA 50701-1857 |
| Document Number | 2012021529 |
| Instrument Date | May 18, 2012 |
| Instrument | 2012021529 |
| Transaction Type | Transfer |
| Record Updated | Feb 19, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount from Assessment |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 225 ZELMAR DR, WATERLOO, IA 50701-1857 |
| Document Number | 2012021530 |
|---|---|
| Date | May 21, 2012 |
| Instrument | 2012021530 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | CEDAR FALLS, IA 50613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2042 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Jan 4, 2005 |
| Property Address | 225 ZELMAR DR, WATERLOO, IA 50701-1857 |
| Document Number | 2005016233 |
| Instrument Date | Dec 29, 2004 |
| Instrument | 2005016233 |
| Transaction Type | Transfer |
| Record Updated | Feb 19, 2026 |
| Title Company | IOWA TITLE AND ESCROW SERVICES INC, IOWA TITLE & ESCROW SERVICES |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $137.60 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 225 ZELMAR DR, WATERLOO, IA 50701-1857 |
| Document Number | 2005016234 |
|---|---|
| Date | Jan 4, 2005 |
| Instrument | 2005016234 |
| Name | COUNTRYWIDE HOME LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2035 |
Source: Black Hawk County assessment roll, as of October 17, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,940.00 (+6.91%) | $144,010 (+13.64%) Land $21,480 Building $122,530 | $144,010 (+13.64%) Land $21,480 Building $122,530 |
| 2024 | $2,750.00 (+40.16%) | ||
| 2023 | $126,720 (+29.02%) Land $21,480 Building $105,240 | $126,720 (+29.02%) Land $21,480 Building $105,240 | |
| 2022 | $1,962.00 Homeowner's exemption | $98,220 Land $21,480 Building $76,740 | |
| 2021 | $98,220 Land $21,480 Building $76,740 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Claims | 1 (2013) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 273 locations within half a mile, as of December 31, 2025
| Provider | Max 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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