247 Elm Dr, Waterloo, IA 50701 Property Records

Black Hawk County property record for 247 Elm Dr, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 918 sqft · built 1930
Lot Size	0.979 acres (42,665 sqft)
Owner	Individual Name on File
Tax Bill	$2,888 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Apr 2021 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`8913-17-455-010`

Property Details

APN / Parcel Number

Primary APN	`8913-17-455-010`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	918 sqft Living Area
1st Floor Area	918 sqft
Basement Area	918 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	42,665 sqft (0.979 acres)
Lot Dimensions	639 ft deep x 59 ft wide
Garage Type	Detached
Garage Area	516 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	260 sqft
Deck Area	420 sqft
Patio Area	84 sqft
Shed	1 Shed
Gazebo	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	247 ELM DR
City	WATERLOO
State	IA
Zip	50701-1013
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AUDITOR WHITNEY ROAD PLAT CASTLE HILL S 1 A LOT 66 EXC W 16.5 FT
Legal Range	13W
Legal Township	89N
Legal Section	17
Legal Subdivision	AUDITOR WHITNEY ROAD PLAT
Legal Lot Number	66
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2026
Census Tract	1503

Owner

247 Elm Dr is owned and occupied by an individual who acquired it in August 2023.

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

Owner of Record	Individual Name on File
Mailing Address	247 ELM DR, WATERLOO, IA 50701-1013
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
Feb 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
Apr 5, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VERIDIAN CU
Sep 6, 2023	Intrafamily Transfer, Transfer
Sep 22, 2023	Intrafamily Transfer, Transfer
Jan 12, 2018	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 29, 2023
Transfer Doc	0000004090
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	247 ELM DR, WATERLOO, IA 50701-1013
Transaction Type	Mortgage
Record Updated	Oct 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100017107
Date	Feb 15, 2021
Instrument	202100017107

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

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

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	247 ELM DR, WATERLOO, IA 50701-1013
Transaction Type	Mortgage
Record Updated	Oct 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	247 ELM DR, WATERLOO, IA 50701-1013

Mortgage

Document Number	202100020729
Date	Apr 5, 2021
Instrument	202100020729

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	120 Months
Due	Apr 20, 2031

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 6, 2023
Property Address	247 ELM DR, WATERLOO, IA 50701-1013
Document Number	202400003349
Instrument Date	Aug 29, 2023
Instrument	202400003349
Transaction Type	Transfer
Record Updated	Oct 10, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	247 ELM DR, WATERLOO, IA 50701-1013

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 22, 2023
Property Address	247 ELM DR, WATERLOO, IA 50701-1013
Document Number	202400004090
Instrument Date	Aug 29, 2023
Instrument	202400004090
Transaction Type	Transfer
Record Updated	Oct 10, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	247 ELM DR, WATERLOO, IA 50701-1013

January 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BLACK HAWK IA
Recording Date	Jan 12, 2018
Property Address	247 ELM DR, WATERLOO, IA 50701-1013
Document Number	201800011780
Instrument Date	Jan 11, 2018
Instrument	2018-00011780
Transaction Type	Transfer
Record Updated	Oct 10, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	247 ELM DR, WATERLOO, IA 50701-1013

Tax Assessment & Valuation

The 2025 property tax bill for 247 Elm Dr was $2,888 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	$2,888.00 (+1.12%) Homeowner's exemption	$161,010 Land $38,630 Building $122,380	$161,010 Land $38,630 Building $122,380
2024	$2,856.00
2023		$148,570 (+20.77%) Land $38,630 Building $109,940	$148,570 Land $38,630 Building $109,940
2022	$2,626.00 Homeowner's exemption	$123,020 Land $38,630 Building $84,390
2021			$123,020 Land $38,630 Building $84,390

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

Flood

FEMA maps place 247 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 247 Elm Dr 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 99.8% of the US · lower than 98.1% 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 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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