Black Hawk County property record for 247 Joy Dr, Waterloo, IA 50701
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 912 sqft · built 1958 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $155,000 (Apr 2024) |
| Tax Bill | $2,684 (2025) |
| Deeds & Mortgages | Apr 2024 Sale & Mortgage Feb 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 8913-21-278-016 |
| Primary APN | 8913-21-278-016 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 912 sqft Living Area |
| 1st Floor Area | 912 sqft |
| Basement Area | 912 sqft |
| Finished Basement | 600 sqft |
| Unfinished Basement | 912 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,000 sqft (0.138 acres) |
| Lot Dimensions | 100 ft deep x 60 ft wide |
| Garage Type | Detached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 196 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 247 JOY DR |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50701-1823 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CLYDE MILLER HGTS SECOND SUB A PART BEING LOCATED IN THE CITY OF WATERLOO AND THE REMAINDER IN THE TOWN OF CASTLE HILL NW 60 |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 21 |
| Legal Subdivision | CLYDE MILLER HGTS SECOND SUB |
| Legal Lot Number | 1 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 1503 |
Source: Black Hawk County assessment roll, as of October 17, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 247 JOY DR, WATERLOO, IA 50701-1823 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 29, 2024 | Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU |
| Feb 23, 2022 | Deed of Trust, Mortgage · Line of Credit VERIDIAN CU |
| May 2, 2018 | Warranty Deed, Transfer LINN AREA CREDIT UNION |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 29, 2024 · Amount on Record |
| Deed Sale | Apr 29, 2024 · Amount on Record |
| Prior Sale | May 2, 2018 · Amount on Record |
| Deed Document Number | 202413405 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Apr 29, 2024 |
| Property Address | 247 JOY DR, WATERLOO, IA 50701-1823 |
| Document Number | 202400013405 |
| Instrument Date | Apr 26, 2024 |
| Instrument | 202400013405 |
| Transaction Type | Transfer |
| Record Updated | Oct 17, 2025 |
| Title Company | TITLE SERVICES CORPORATION |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $247.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 247 JOY DR, WATERLOO, IA 50701-1823 |
| Document Number | 0202413406 |
|---|---|
| Date | Apr 29, 2024 |
| Instrument | 2024-13406 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.12% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | May 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 4.12% |
| Max Rate At Change | 8.12% |
| Index | 1-Year CMT |
| Max Rate | 12.1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 247 JOY DR, WATERLOO, IA 50701-1823 |
| Transaction Type | Mortgage |
| Record Updated | Mar 7, 2022 |
| Name | Verified Name |
|---|---|
| Address | 247 JOY DR, WATERLOO, IA 50701-1823 |
| Document Number | 202200016977 |
|---|---|
| Date | Feb 23, 2022 |
| Instrument | 202200016977 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | WATERLOO, IA 50704 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | May 2, 2018 |
| Property Address | 247 JOY DR, WATERLOO, IA 50701-1823 |
| Document Number | 201800017866 |
| Instrument Date | Apr 23, 2018 |
| Instrument | 201800017866 |
| Transaction Type | Transfer |
| Record Updated | Feb 10, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 247 JOY DR, WATERLOO, IA 50701-1823 |
| Document Number | 201800017867 |
|---|---|
| Date | May 2, 2018 |
| Instrument | 201800017867 |
| Name | LINN AREA CREDIT UNION |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 356 Months |
| Due | Jan 1, 2048 |
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 | $2,684.00 Homeowner's exemption | $153,360 (+14.49%) Land $17,160 Building $136,200 | $153,360 (+14.49%) Land $17,160 Building $136,200 |
| 2024 | $2,684.00 (+31.18%) | ||
| 2023 | $133,950 (+31.26%) Land $17,160 Building $116,790 | $133,950 (+31.26%) Land $17,160 Building $116,790 | |
| 2022 | $2,046.00 Homeowner's exemption | $102,050 Land $17,160 Building $84,890 | |
| 2021 | $102,050 Land $17,160 Building $84,890 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Claims | 1 (2013) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2013 · tidal / storm surge |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 273 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Holdings Fiber | 5,120 / 5,120 |
| Mediacom Communications Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| LTD Broadband Fixed Wireless | 150 / 130 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AMG Technology Investment Group Fixed Wireless | 100 / 20 |
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