235 Windsor Dr, Waterloo, IA 50701 Property Records

Black Hawk County property record for 235 Windsor Dr, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,216 sqft · built 1952
Lot Size	0.232 acres (10,125 sqft)
Owner	2 Individual Names on Record
Last Sale	$191,000 (Sep 2023)
Tax Bill	$3,282 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-34-426-014`

Property Details

APN / Parcel Number

Primary APN	`8913-34-426-014`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,216 sqft Living Area
1st Floor Area	1,086 sqft
Basement Area	1,086 sqft
Finished Basement	375 sqft
Unfinished Basement	1,086 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	10,125 sqft (0.232 acres)
Lot Dimensions	150 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	286 sqft
Parking Spaces	1 Parking Space
Deck Area	Deck Area
Patio Area	376 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	235 WINDSOR DR
City	WATERLOO
State	IA
Zip	50701-4160
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PROSPECT HILLS ADDITION SE 40 FT LOT 95 NW 30 FT LOT 96
Legal Range	13W
Legal Township	89N
Legal Section	34
Legal Subdivision	PROSPECT HILLS ADDITION
Legal Lot Number	95,96
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	4
Census Block	4020
Census Tract	1400

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	235 WINDSOR DR, WATERLOO, IA 50701-4160
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2023	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Sep 9, 2022	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 9, 2023 · Amount on Record
Deed Sale	Sep 9, 2023 · Amount on Record
Prior Sale	Sep 9, 2022 · Amount on Record
Deed Document Number	20234226
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	235 WINDSOR DR, WATERLOO, IA 50701-4160
Transaction Type	Mortgage
Record Updated	Feb 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	235 WINDSOR DR, WATERLOO, IA 50701-4160

Mortgage

Document Number	202300010582
Date	Jan 24, 2023
Instrument	202300010582

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 23, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 9, 2022
Property Address	235 WINDSOR DR, WATERLOO, IA 50701-4160
Document Number	202300004226
Instrument Date	Aug 24, 2022
Instrument	202300004226
Transaction Type	Transfer
Record Updated	Sep 28, 2022
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$304.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	235 WINDSOR DR, WATERLOO, IA 50701-4160

Mortgage

Document Number	202300004227
Date	Sep 9, 2022
Instrument	202300004227

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	Oct 1, 2032
Change Frequency	Annually
Min Rate At Change	2.87%
Max Rate At Change	6.87%
Index	1-Year CMT
Max Rate	10.8%

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	$3,282.00 (-3.01%) Homeowner's exemption	$171,690 (+3.29%) Land $27,880 Building $143,810	$171,690 (+3.29%) Land $27,880 Building $143,810
2024	$3,384.00 (+16.21%)
2023		$166,220 (+25.35%) Land $27,880 Building $138,340	$166,220 (+25.35%) Land $27,880 Building $138,340
2022	$2,912.00	$132,600 Land $27,880 Building $104,720
2021			$132,600 Land $27,880 Building $104,720

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	1 in force

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	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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