Black Hawk County property record for 238 Normandy St, Waterloo, IA 50703
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 752 sqft · built 1947 |
| Lot Size | 0.502 acres (21,868 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,692 (2025) |
| Deeds & Mortgages | Dec 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 8913-15-251-017 |
| Primary APN | 8913-15-251-017 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 752 sqft Living Area |
| 1st Floor Area | 752 sqft |
| Basement Area | 752 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1947 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 21,868 sqft (0.502 acres) |
| Lot Dimensions | 284 ft deep x 77 ft wide |
| Garage Type | Detached |
| Garage Area | 1,360 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 96 sqft |
| Deck Area | 96 sqft |
| Patio Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 238 NORMANDY ST |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50703-1632 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NORTHFIELD ADDITION LOT 17 |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 15 |
| Legal Subdivision | NORTHFIELD ADDITION |
| Legal Lot Number | 17 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 1600 |
238 Normandy St is owned and occupied by an individual.
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 File |
|---|---|
| Mailing Address | PO BOX 643, WATERLOO, IA 50704-0643 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 238 NORMANDY ST, WATERLOO, IA 50703-1632 |
| Transaction Type | Mortgage |
| Record Updated | Jan 10, 2018 |
| Name | Verified Name |
|---|
| Document Number | , 2018-00010899 |
|---|---|
| Date | Dec 22, 2017 |
| Instrument | 2018-00010899 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | WATERLOO, IA 50704 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Dec 7, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Black Hawk County assessment roll, as of October 17, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,692.00 (+2.98%) Homeowner's exemption | $142,750 (+9.19%) Land $18,330 Building $124,420 | $142,750 (+9.19%) Land $18,330 Building $124,420 |
| 2024 | $2,614.00 (+28.9%) | ||
| 2023 | $130,730 (+29.15%) Land $18,330 Building $112,400 | $130,730 (+29.15%) Land $18,330 Building $112,400 | |
| 2022 | $2,028.00 Homeowner's exemption | $101,220 Land $18,330 Building $82,890 | |
| 2021 | $101,220 Land $18,330 Building $82,890 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 238 Normandy St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1978.
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 risk around 238 Normandy St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 68% of Iowa |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
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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