Black Hawk County property record for 232 Zelmar Dr, Waterloo, IA 50701 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3 ba · 1,014 sqft · built 1956 |
| Lot Size | 0.193 acres (8,395 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $160,000 (Oct 2022) |
| Tax Bill | $3,692 (2025) |
| Deeds & Mortgages | Aug 2020 Line of Credit Oct 2011 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 8913-21-279-004 |
| Primary APN | 8913-21-279-004 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| 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 |
| Finished Basement | 500 sqft |
| Unfinished Basement | 1,014 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 8,395 sqft (0.193 acres) |
| Lot Dimensions | 115 ft deep x 73 ft wide |
| Garage Type | Detached |
| Garage Area | 840 sqft |
| Parking Spaces | 3 Parking Spaces |
| Patio Area | 173 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 232 ZELMAR DR |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50701-1858 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ZELMAR ADDITION LOT 9 |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 21 |
| Legal Subdivision | ZELMAR ADDITION |
| Legal Lot Number | 9 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 1503 |
Source: Black Hawk County records · APN 8913-21-279-004
Assessment roll updated October 17, 2025 · Last verified August 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 File |
|---|---|
| Mailing Address | 232 ZELMAR DR, WATERLOO, IA 50701-1858 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 10, 2020 | Deed of Trust, Mortgage · Line of Credit VERIDIAN CU |
| Oct 28, 2011 | Deed of Trust, Mortgage · FHA Mortgage LINCOLN SAVINGS BANK |
| Jul 02, 2008 | Deed of Trust, Mortgage VERIDIAN CU |
| Oct 25, 2021 | Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU |
| Jan 09, 2008 | Legal Action/Court Order, Foreclosure · Conventional Mortgage CITIMORTGAGE INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 25, 2022 · Amount on Record |
| Deed Sale | Oct 25, 2022 · Amount on Record |
| Prior Sale | Oct 25, 2021 · Amount on Record |
| Deed Document Number | 20228915 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 232 ZELMAR DR, WATERLOO, IA 50701-1858 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 202100003091 |
|---|---|
| Date | Aug 10, 2020 |
| Instrument | 202100003091 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | WATERLOO, IA 50704 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 09, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 232 ZELMAR DR, WATERLOO, IA 50701-1858 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 2012007687 |
|---|---|
| Date | Oct 28, 2011 |
| Instrument | 2012007687 |
| Name | LINCOLN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | REINBECK, IA 50669 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 232 ZELMAR DR, WATERLOO, IA 50701-1858 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 2009000240 |
|---|---|
| Date | Jul 02, 2008 |
| Instrument | 2009000240 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | WATERLOO, IA 50704 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Jul 15, 2023 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Oct 25, 2021 |
| Property Address | 232 ZELMAR DR, WATERLOO, IA 50701-1858 |
| Document Number | 202200008915 |
| Instrument Date | Oct 19, 2021 |
| Instrument | 202200008915 |
| Transaction Type | Transfer |
| Record Updated | Nov 04, 2021 |
| Title Company | TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $255.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 232 ZELMAR DR, WATERLOO, IA 50701-1858 |
| Document Number | 202200008916 |
|---|---|
| Date | Oct 25, 2021 |
| Instrument | 202200008916 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.62% |
| Type Change Date | Nov 01, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 5.62% |
| Index | 5-Year TN |
| Max Rate | 9.62% |
| Document Number | 202200008918 |
|---|---|
| Date | Oct 25, 2021 |
| Instrument | 202200008918 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | WATERLOO, IA 50701 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Nov 01, 2031 |
| Document Type | Legal Action/Court Order |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Jan 09, 2008 |
| Property Address | 232 ZELMAR DR, WATERLOO, IA 50701-1858 |
| Document Number | 2008013753 |
| Instrument Date | Dec 19, 2007 |
| Instrument | 2008013753 |
| Transaction Type | Foreclosure |
| Record Updated | Apr 03, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $156.80 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 232 ZELMAR DR, WATERLOO, IA 50701-1858 |
| Document Number | 2008013771 |
|---|---|
| Date | Jan 09, 2008 |
| Instrument | 2008013771 |
| Name | CITIMORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2038 |
Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,692.00 | $194,440 (+14.26%) Land $22,300 Building $172,140 | $194,440 (+14.26%) Land $22,300 Building $172,140 |
| 2024 | $3,692.00 (+31.76%) | ||
| 2023 | $170,180 (+33.43%) Land $22,300 Building $147,880 | $170,180 (+33.43%) Land $22,300 Building $147,880 | |
| 2022 | $2,802.00 Homeowner's exemption | $127,540 Land $22,300 Building $105,240 | |
| 2021 | $127,540 Land $22,300 Building $105,240 |
Source: FEMA National Flood Hazard Layer, Black Hawk County (19013C), updated September 27, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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