245 Normandy St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 245 Normandy St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 816 sqft · built 1951
Lot Size	0.212 acres (9,240 sqft)
Owner	Individual Name on File
Last Sale	$140,000 (Jul 2026)
Tax Bill	$2,152 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Dec 2025 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8913-15-251-005`

Property Details

APN / Parcel Number

Primary APN	`8913-15-251-005`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	816 sqft Living Area
1st Floor Area	816 sqft
Basement Area	816 sqft
Unfinished Basement	816 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,240 sqft (0.212 acres)
Lot Dimensions	132 ft deep x 70 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	116 sqft
Patio Area	20 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	245 NORMANDY ST
City	WATERLOO
State	IA
Zip	50703-1631
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FIRST ADDITION TO CEDAR BEND LOT 9
Legal Range	13W
Legal Township	89N
Legal Section	15
Legal Subdivision	FIRST ADDITION TO CEDAR BEND
Legal Lot Number	9
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2017
Census Tract	1600

Owner

245 Normandy St is owned and occupied by an individual who bought it in July 2026.

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

Owner of Record	Individual Name on File
Mailing Address	245 NORMANDY ST, WATERLOO, IA 50703-1631
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
Jul 14, 2026	Warranty Deed, Transfer · Conventional Mortgage UNION CREDIT UNION
Dec 5, 2025	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Oct 12, 2022	Warranty Deed, Transfer TITLE SERVICES CORPORATION
Apr 17, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 14, 2026 · Amount on File
Deed Sale	Jul 14, 2026 · Amount on File
Prior Sale	Oct 12, 2023 · Amount on File
Deed Document Number	202610507
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jul 14, 2026
Property Address	245 NORMANDY ST, WATERLOO, IA 50703-1631
Document Number	0000010507
Instrument Date	Jul 6, 2026
Instrument	202610507
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$22,543.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 NORMANDY ST, WATERLOO, IA 50703-1631

Mortgage

Document Number	0000010508,
Date	Jul 14, 2026
Instrument	202610508

Lender

Name	UNION CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0000010509,
Date	Jul 14, 2026
Instrument	202610509

Lender

Name	UNION CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 1, 2041

Interest

Max Rate	-1%

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	245 NORMANDY ST, WATERLOO, IA 50703-1631
Transaction Type	Mortgage
Record Updated	Dec 16, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 NORMANDY ST, WATERLOO, IA 50703-1631

Mortgage

Document Number	0202517935
Date	Dec 5, 2025
Instrument	2025-17935

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	PO BOX 6000, WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Dec 15, 2035

Interest

Change Frequency	Monthly

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 12, 2022
Property Address	245 NORMANDY ST, WATERLOO, IA 50703-1631
Document Number	202300006016
Instrument Date	Oct 11, 2022
Instrument	202300006016
Transaction Type	Transfer
Record Updated	Oct 28, 2022
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount on Record
Tax	$148.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 NORMANDY ST, WATERLOO, IA 50703-1631

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 17, 2019
Property Address	245 NORMANDY ST, WATERLOO, IA 50703-1631
Document Number	201900015408
Instrument Date	Apr 1, 2019
Instrument	201900015408
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 NORMANDY ST, WATERLOO, IA 50703-1631

Mortgage

Document Number	201900015409
Date	Apr 17, 2019
Instrument	201900015409

Lender

Name	STATE BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 245 Normandy St was $2,152 with a homeowner's exemption, up 3.3% 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	Waterloo Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,152.00 (+3.26%) Homeowner's exemption	$116,380 Land $13,720 Building $102,660	$116,380 Land $13,720 Building $102,660
2024	$2,084.00
2023		$105,650 (+38.56%) Land $13,720 Building $91,930	$105,650 Land $13,720 Building $91,930
2022	$1,480.00 Homeowner's exemption	$76,250 Land $13,720 Building $62,530
2021			$76,250 Land $13,720 Building $62,530

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

Flood

FEMA maps place 245 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

Wildfire risk around 245 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 99.1% of the US · lower than 91% of Iowa
Wildfire Likelihood	Under 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 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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