239 Normandy St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 239 Normandy St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 462 sqft · built 1941
Lot Size	0.364 acres (15,840 sqft)
Owner	Individual Name on Record
Last Sale	$87,500 (Jan 2024)
Tax Bill	$1,330 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Jan 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-15-251-006`

Property Details

APN / Parcel Number

Primary APN	`8913-15-251-006`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	462 sqft Living Area
1st Floor Area	432 sqft
Basement Area	432 sqft
Unfinished Basement	432 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1941
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	Detached
Garage Area	352 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	72 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	239 NORMANDY ST
City	WATERLOO
State	IA
Zip	50703-1631
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CEDAR BEND ADDITION LOT 2 BLK 2
Legal Range	13W
Legal Township	89N
Legal Section	15
Legal Subdivision	CEDAR BEND ADDITION
Legal Block	2
Legal Lot Number	2
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	Individual Name on Record
Mailing Address	239 NORMANDY ST, WATERLOO, IA 50703-1631
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2024	Deed of Trust, Mortgage · Conventional Mortgage LINCOLN SAVINGS BANK
Jan 17, 2024	Warranty Deed, Transfer · Conventional Mortgage LINCOLN SAVINGS BANK
Jul 9, 2020	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 17, 2024 · Amount on Record
Deed Sale	Jan 17, 2024 · Amount on Record
Prior Sale	Jun 15, 2022 · Amount on Record
Deed Document Number	20249015
Prior Transfer Date	Jun 14, 2022
Prior Transfer Doc	0000024335
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	239 NORMANDY ST, WATERLOO, IA 50703-1631
Transaction Type	Mortgage
Record Updated	Feb 29, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1901 W 18TH ST B7, B7, CEDAR FALLS, IA 50613-7111

Mortgage

Document Number	202400009335
Date	Jan 25, 2024
Instrument	202400009335

Lender

Name	LINCOLN SAVINGS BANK
Type	Bank
Address	360 WESTFIELD AVE # 6, WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jan 17, 2024
Property Address	239 NORMANDY ST, WATERLOO, IA 50703-1631
Document Number	202400009015
Instrument Date	Jan 15, 2024
Instrument	202400009015
Transaction Type	Transfer
Record Updated	Oct 17, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$139.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202400009016
Date	Jan 17, 2024
Instrument	202400009016

Lender

Name	LINCOLN SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jul 9, 2020
Property Address	239 NORMANDY ST, WATERLOO, IA 50703-1631
Document Number	202100000563
Instrument Date	Jul 7, 2020
Instrument	202100000563
Transaction Type	Transfer
Record Updated	Feb 29, 2024
Title Company	TITLE SERVICES GROUP, TITLE SERVICES CORP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$63.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	239 NORMANDY ST, WATERLOO, IA 50703-1631

Mortgage

Document Number	202100000564
Date	Jul 9, 2020
Instrument	202100000564

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Aug 1, 2030
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6.75%
Index	1-Year LIBOR
Max Rate	10.7%

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	$1,330.00 (+1.84%) Homeowner's exemption	$76,090 (+8.01%) Land $17,760 Building $58,330	$76,090 (+8.01%) Land $17,760 Building $58,330
2024	$1,306.00 (+29.56%)
2023		$70,450 (+28.7%) Land $17,760 Building $52,690	$70,450 (+28.7%) Land $17,760 Building $52,690
2022	$1,008.00	$54,740 Land $17,760 Building $36,980
2021			$54,740 Land $17,760 Building $36,980

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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