227 Normandy St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 227 Normandy St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,048 sqft · built 1954
Lot Size	0.364 acres (15,840 sqft)
Owner	Individual Name on Record
Last Sale	$125,000 (Nov 2024)
Tax Bill	$2,232 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-15-251-008`

Property Details

APN / Parcel Number

Primary APN	`8913-15-251-008`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,048 sqft Living Area
1st Floor Area	1,048 sqft
Basement Area	1,048 sqft
Unfinished Basement	1,048 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,840 sqft (0.364 acres)
Lot Dimensions	198 ft deep x 80 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	227 NORMANDY ST
City	WATERLOO
State	IA
Zip	50703-1631
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CEDAR BEND ADDITION LOT 6 BLK 2
Legal Range	13W
Legal Township	89N
Legal Section	15
Legal Subdivision	CEDAR BEND ADDITION
Legal Block	2
Legal Lot Number	6
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2017
Census Tract	1600

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 Record	Individual Name on Record
Mailing Address	227 NORMANDY ST, WATERLOO, IA 50703-1631
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 22, 2024 · Amount on Record
Deed Sale	Nov 22, 2024 · Amount on Record
Prior Sale	Nov 22, 2023 · Amount on Record
Deed Document Number	20246821
Record Updated	Oct 29, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 22, 2023
Property Address	227 NORMANDY ST, WATERLOO, IA 50703-1631
Document Number	202400006821
Instrument Date	Nov 17, 2023
Instrument	202400006821
Transaction Type	Transfer
Record Updated	Dec 8, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$199.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	227 NORMANDY ST, WATERLOO, IA 50703-1631

Mortgage

Document Number	202400006822
Date	Nov 22, 2023
Instrument	202400006822

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	8.25%
Type Change Date	Dec 1, 2033
Change Frequency	Annually
Min Rate At Change	6.25%
Max Rate At Change	10.2%
Index	1-Year T-Bill
Max Rate	14.2%

Mortgage

Document Number	202400006823
Date	Nov 22, 2023
Instrument	202400006823

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Dec 1, 2033

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	$2,232.00 (+2.86%) Homeowner's exemption	$120,260 (+9.04%) Land $17,760 Building $102,500	$120,260 (+9.04%) Land $17,760 Building $102,500
2024	$2,170.00 (+10.6%)
2023		$110,290 (+23.39%) Land $17,760 Building $92,530	$110,290 (+23.39%) Land $17,760 Building $92,530
2022	$1,962.00	$89,380 Land $17,760 Building $71,620
2021			$89,380 Land $17,760 Building $71,620

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
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (1978–1980)
Most Recent Claim	Jun 1980 · rainfall accumulation

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 97% of the US · lower than 76% of Iowa
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 171 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

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