254 Upland Dr, Waterloo, IA 50701 Property Records

Black Hawk County property record for 254 Upland Dr, Waterloo, IA 50701

Property Summary

Property Type	Condominium
Details	2 bd · 1 ba · 1,008 sqft · built 1978
Lot Size	0.123 acres (5,339 sqft)
Owner	Company Name on File
Tax Bill	$2,042 (2025)
Deeds & Mortgages	Jan 2021 Line of Credit Sep 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`8913-33-276-025`

Property Details

APN / Parcel Number

Primary APN	`8913-33-276-025`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,008 sqft Living Area
1st Floor Area	1,008 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Condo/Apartment
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,339 sqft (0.123 acres)
Garage Type	Attached
Garage Area	231 sqft
Parking Spaces	1 Parking Space
Deck Area	Deck Area
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	254 UPLAND DR
City	WATERLOO
State	IA
Zip	50701-3814
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	FAIRWAY-UPLAND CONDOMINIUMS UNIT 1
Legal Range	13W
Legal Township	89N
Legal Section	33
Legal Subdivision	FAIRWAY-UPLAND CONDOMINIUMS
Legal Block	1
Legal Lot Number	254
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1003
Census Tract	1501

Owner

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	Company Name on File
Mailing Address	812 WASHINGTON ST, WATERLOO, IA 50702-1548
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2021	Deed of Trust, Mortgage · Line of Credit LINCOLN SAVINGS BANK
Sep 25, 2020	Deed of Trust, Mortgage · Line of Credit LINCOLN SAVINGS BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	254 UPLAND DR, WATERLOO, IA 50701-3814
Transaction Type	Mortgage
Record Updated	Oct 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100015926
Date	Jan 27, 2021
Instrument	202100015926

Lender

Name	LINCOLN SAVINGS BANK
Type	Bank
Address	CLIVE, IA 50325

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jan 22, 2041

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	254 UPLAND DR, WATERLOO, IA 50701-3814
Transaction Type	Mortgage
Record Updated	Oct 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100006525
Date	Sep 25, 2020
Instrument	202100006525

Lender

Name	LINCOLN SAVINGS BANK
Type	Bank
Address	CEDAR FALLS, IA 50613

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 15, 2040

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	$2,042.00	$98,210 (+4.35%) Land $8,010 Building $90,200	$98,210 (+4.35%) Land $8,010 Building $90,200
2024	$2,042.00 (+52.84%)
2023		$94,120 (+54.83%) Land $8,010 Building $86,110	$94,120 (+54.83%) Land $8,010 Building $86,110
2022	$1,336.00	$60,790 Land $8,010 Building $52,780
2021			$60,790 Land $8,010 Building $52,780

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	15 (1979–2020)
Most Recent Claim	Jul 2020 · rainfall accumulation
Claims by Event	Severe Storms, Flooding, And Tornadoes, Jul 2010 · 3 claims Severe Storms & Flooding, Jul 1993 · 4 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

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 252 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Waterloo Fiber Fiber	10,000 / 10,000
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

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