233 Normandy St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 233 Normandy St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,715 sqft · built 1946
Lot Size	0.364 acres (15,840 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,032 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Aug 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8913-15-251-007`

Property Details

APN / Parcel Number

Primary APN	`8913-15-251-007`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	3 Half Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,715 sqft Living Area
1st Floor Area	940 sqft
Attic	Attic
Attic Area	423 sqft
Basement Area	1,292 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Exterior Material	Vinyl
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	Attached
Garage Area	792 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	50 sqft
Deck Area	242 sqft
Patio Area	377 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	233 NORMANDY ST
City	WATERLOO
State	IA
Zip	50703-1631
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CEDAR BEND ADDITION LOT 4 BLK 2
Legal Range	13W
Legal Township	89N
Legal Section	15
Legal Subdivision	CEDAR BEND ADDITION
Legal Block	2
Legal Lot Number	4
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	233 NORMANDY ST, WATERLOO, IA 50703-1631
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 10, 2026	Deed of Trust, Mortgage · Line of Credit CEDAR FALLS COMMUNITY CREDIT UNION
Aug 19, 2021	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Sep 24, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CEDAR FALLS COMMUNITY CREDIT UNION
Dec 27, 2017	Deed of Trust, Mortgage CEDAR FALLS COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 10, 2026
Property Address	233 NORMANDY ST, WATERLOO, IA 50703-1631
Document Number	0000004940
Instrument Date	Apr 3, 2026
Instrument	20264940
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	233 NORMANDY ST, WATERLOO, IA 50703-1631

Mortgage

Document Number	0000004940,
Date	Apr 10, 2026
Instrument	20264940

Lender

Name	CEDAR FALLS COMMUNITY CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 3, 2036

Interest

Rate	6%
Max Rate	-1%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	233 NORMANDY ST, WATERLOO, IA 50703-1631
Transaction Type	Mortgage
Record Updated	Sep 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	233 NORMANDY ST, WATERLOO, IA 50703-1631

Mortgage

Document Number	202200003884
Date	Aug 19, 2021
Instrument	202200003884

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Aug 18, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	233 NORMANDY ST, WATERLOO, IA 50703-1631
Transaction Type	Mortgage
Record Updated	Oct 23, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000005455
Date	Sep 24, 2019
Instrument	202000005455

Lender

Name	CEDAR FALLS COMMUNITY CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	85 Months
Due	Oct 1, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	233 NORMANDY ST, WATERLOO, IA 50703-1631
Transaction Type	Mortgage
Record Updated	Jan 17, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 2018-00010945
Date	Dec 27, 2017
Instrument	2018-00010945

Lender

Name	CEDAR FALLS COMMUNITY CU
Type	Credit Union
Address	CEDAR FALLS, IA 50613

Agreement

Amount	Amount Recorded
Term	66 Months
Due	Jun 28, 2023

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	$4,032.00 (+8.33%) Homeowner's exemption	$208,460 (+14.64%) Land $17,760 Building $190,700	$208,460 (+14.64%) Land $17,760 Building $190,700
2024	$3,722.00 (+27.38%)
2023		$181,840 (+28.15%) Land $17,760 Building $164,080	$181,840 (+28.15%) Land $17,760 Building $164,080
2022	$2,922.00 Homeowner's exemption	$141,900 Land $17,760 Building $124,140
2021			$141,900 Land $17,760 Building $124,140

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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