227 Derbyshire Rd, Waterloo, IA 50701 Property Records

Black Hawk County property record for 227 Derbyshire Rd, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 788 sqft · built 1948
Lot Size	0.201 acres (8,760 sqft)
Owner	Individual Name on File
Last Sale	$103,000 (Aug 2019)
Tax Bill	$2,214 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-34-427-045`

Property Details

APN / Parcel Number

Primary APN	`8913-34-427-045`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	788 sqft Living Area
1st Floor Area	788 sqft
Basement Area	788 sqft
Unfinished Basement	788 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	8,760 sqft (0.201 acres)
Lot Dimensions	146 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	164 sqft
Patio Area	245 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	227 DERBYSHIRE RD
City	WATERLOO
State	IA
Zip	50701-4147
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PROSPECT HILLS ADDITION LOT 7
Legal Range	13W
Legal Township	89N
Legal Section	34
Legal Subdivision	PROSPECT HILLS ADDITION
Legal Lot Number	7
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	5
Census Block	5001
Census Tract	1400

Owner

227 Derbyshire Rd is owned and occupied by an individual who bought it in August 2019.

Source: Black Hawk County records, as of September 1, 2026

Owner of Record	Individual Name on File
Mailing Address	227 DERBYSHIRE RD, WATERLOO, IA 50701-4147
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2022	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Aug 28, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage VERIDIAN CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 28, 2019 · Amount on File
Deed Sale	Aug 28, 2019 · Amount on File
Deed Document Number	2019202000003757
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	227 DERBYSHIRE RD, WATERLOO, IA 50701-4147
Transaction Type	Mortgage
Record Updated	Aug 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	227 DERBYSHIRE RD, WATERLOO, IA 50701-4147

Mortgage

Document Number	202300002853
Date	Aug 17, 2022
Instrument	202300002853

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Aug 16, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Aug 28, 2019
Property Address	227 DERBYSHIRE RD, WATERLOO, IA 50701-4147
Document Number	202000003757
Instrument Date	Aug 15, 2019
Instrument	202000003757
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	227 DERBYSHIRE RD, WATERLOO, IA 50701-4147

Mortgage

Document Number	202000003758
Date	Aug 28, 2019
Instrument	202000003758

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 227 Derbyshire Rd was $2,214 with a homeowner's exemption, down 3.4% from the year before.

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	$2,214.00 (-3.4%) Homeowner's exemption	$119,410 Land $24,240 Building $95,170	$119,410 Land $24,240 Building $95,170
2024	$2,292.00
2023		$115,910 (+17.69%) Land $24,240 Building $91,670	$115,910 Land $24,240 Building $91,670
2022	$2,164.00	$98,490 Land $24,240 Building $74,250
2021			$98,490 Land $24,240 Building $74,250

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 227 Derbyshire Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2010.

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 Policies	1 in force
Nearby Flood Claims	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2010 · other causes

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

The area around 227 Derbyshire Rd has no burnable land within ember reach, so its wildfire risk is not rated.

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.

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 359 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	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

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