244 Elm Dr, Waterloo, IA 50701 Property Records

Black Hawk County property record for 244 Elm Dr, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,440 sqft · built 1954
Lot Size	0.304 acres (13,230 sqft)
Owner	2 Individual Names on File
Last Sale	$25,000 (Jun 2021)
Tax Bill	$4,178 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-17-454-006`

Property Details

APN / Parcel Number

Primary APN	`8913-17-454-006`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,440 sqft Living Area
1st Floor Area	720 sqft
Basement Area	1,244 sqft
Unfinished Basement	1,244 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,230 sqft (0.304 acres)
Lot Dimensions	147 ft deep x 90 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	450 sqft
Deck Area	160 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	244 ELM DR
City	WATERLOO
State	IA
Zip	50701-1014
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MIDWAY IN CASTLE HILL N 1/2 LOT 19 N 1/2 LOT 20
Legal Range	13W
Legal Township	89N
Legal Section	17
Legal Subdivision	MIDWAY IN CASTLE HILL
Legal Lot Number	19,20
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2025
Census Tract	1503

Owner

244 Elm Dr is owned and occupied by two individuals who bought it in June 2021.

Source: Black Hawk County records, as of September 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	244 ELM DR, WATERLOO, IA 50701-1014
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 18, 2022	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Nov 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
Mar 26, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance VERIDIAN CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 15, 2021 · Amount on File
Deed Sale	Jun 15, 2021 · Amount on File
Prior Sale	Mar 13, 2006 · Amount on File
Deed Document Number	202126416
Prior Transfer Date	Jun 11, 2021
Prior Transfer Doc	0000026421
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	244 ELM DR, WATERLOO, IA 50701-1014
Transaction Type	Mortgage
Record Updated	Apr 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	244 ELM DR, WATERLOO, IA 50701-1014

Mortgage

Document Number	202200020253
Date	Apr 18, 2022
Instrument	202200020253

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Apr 17, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	244 ELM DR, WATERLOO, IA 50701-1014
Transaction Type	Mortgage
Record Updated	Nov 24, 2021
Title Company	TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	244 ELM DR, WATERLOO, IA 50701-1014

Mortgage

Document Number	202200010005
Date	Nov 9, 2021
Instrument	202200010005

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	244 ELM DR, WATERLOO, IA 50701-1014
Transaction Type	Mortgage
Record Updated	Jun 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900014234
Date	Mar 26, 2019
Instrument	201900014234

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Apr 1, 2029

Tax Assessment & Valuation

The 2025 property tax bill for 244 Elm Dr was $4,178 with a homeowner's exemption, up 1.1% from the year before.

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	Cedar Falls Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,178.00 (+1.11%) Homeowner's exemption	$228,110 Land $34,090 Building $194,020	$228,110 Land $34,090 Building $194,020
2024	$4,132.00
2023		$210,420 (+21.36%) Land $34,090 Building $176,330	$210,420 Land $34,090 Building $176,330
2022	$3,786.00 Homeowner's exemption	$173,390 Land $34,090 Building $139,300
2021			$173,390 Land $34,090 Building $139,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 244 Elm Dr in Zone X, an area of minimal flood risk, though there have been 58 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	2 in force
Nearby Flood Claims	58 (1978–2016)
Most Recent Claim	Sep 2016 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2016 · 5 claims Severe Storms, Tornadoes, And Flooding, Jun 2008 · 11 claims Severe Storms & Flooding, Aug 1993 · 12 claims

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

Wildfire risk around 244 Elm Dr is low, with 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 98% of the US · lower than 82% of Iowa
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 361 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
Verizon Fixed Wireless	300 / 20
CenturyLink DSL	140 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Cedar Falls Utilities, GigFire, Nextlink.

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