Black Hawk County property record for 2566 Cedar Terrace Dr, Waterloo, IA 50702
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 672 sqft · built 1951 |
| Lot Size | 0.204 acres (8,900 sqft) |
| Owner | Individual Name on File |
| Last Sale | $81,000 (Jan 2026) |
| Tax Bill | $1,454 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage Apr 2026 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 8813-12-252-002 |
| Primary APN | 8813-12-252-002 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 672 sqft Living Area |
| 1st Floor Area | 672 sqft |
| Basement Area | 672 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Plaster |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1951 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,900 sqft (0.204 acres) |
| Lot Dimensions | 89 ft deep x 100 ft wide |
| Deck Area | Deck Area |
| Patio Area | 48 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 2566 CEDAR TERRACE DR |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50702-4507 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | UNPLATTED WLOO WEST THAT PART GOVT LOT 3 IN SEC 12 T 88 R 13 THAT LIES WITHIN THE FOL DES BOUNDARIES COM AT THE INTERS OF THE |
| Legal Range | 13W |
| Legal Township | 88N |
| Legal Section | 12 |
| Legal Subdivision | UNPLATTED WLOO WEST |
| Legal Lot Number | 3 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 2901 |
2566 Cedar Terrace Dr is owned and occupied by an individual who bought it in January 2026.
Source: Black Hawk County records, as of September 1, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2566 CEDAR TERRACE DR, WATERLOO, IA 50702-4507 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
| Date | Document |
|---|---|
| Jan 20, 2026 | Deed of Trust, Mortgage · FHA Mortgage GUARANTEED RATE INC |
| Apr 6, 2026 | Deed of Trust, Mortgage · FHA Mortgage GUARANTEED RATE, INC |
| Apr 8, 2025 | Affidavit of Death of Joint Tenant, Transfer |
| Dec 31, 2025 | Re-recorded Document |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 20, 2026 · Amount on File |
| Deed Sale | Jan 20, 2026 · Amount on File |
| Deed Document Number | 2026841 |
| Prior Transfer Date | Oct 22, 2013 |
| Prior Transfer Doc | 2014008897 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 2566 CEDAR TERRACE DR, WATERLOO, IA 50702-4507 |
| Transaction Type | Mortgage |
| Record Updated | Jan 29, 2026 |
| Title Company | BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK CNTY ABSTRACT & T |
| Name | Verified Name |
|---|---|
| Address | 2566 CEDAR TERRACE DR, WATERLOO, IA 50702-4507 |
| Document Number | 0202600842 |
|---|---|
| Date | Jan 20, 2026 |
| Instrument | 2026-00842 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | 3940 N RAVENSWOOD AVE, CHICAGO, IL 60613 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Apr 6, 2026 |
| Property Address | 2566 CEDAR TERRACE DR, WATERLOO, IA 50702-4507 |
| Document Number | 0000004512 |
| Instrument Date | Jan 16, 2026 |
| Instrument | 20264512 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | BLACK HAWK COUNTY ABSTRACT |
| Name | Verified Name |
|---|---|
| Address | 2566 CEDAR TERRACE DR, WATERLOO, IA 50702-4507 |
| Document Number | 0000004512, |
|---|---|
| Date | Apr 6, 2026 |
| Instrument | 20264512 |
| Name | GUARANTEED RATE, INC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2056 |
| Rate | 6.21% |
|---|---|
| Max Rate | -1% |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Apr 8, 2025 |
| Property Address | 2566 CEDAR TERRACE DR, WATERLOO, IA 50702-4507 |
| Document Number | 0202504593 |
| Instrument Date | Apr 8, 2025 |
| Instrument | 2025-04593 |
| Transaction Type | Transfer |
| Record Updated | Jan 9, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 122 HELEN RD, WATERLOO, IA 50701-1032 |
| Document Type | Re-recorded Document |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Dec 31, 2025 |
| Property Address | 2566 CEDAR TERRACE DR, WATERLOO, IA 50702-4507 |
| Document Number | 0202519160 |
| Instrument Date | Apr 7, 2025 |
| Instrument | 2025-19160 |
| Record Updated | Jan 9, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 122 HELEN RD, WATERLOO, IA 50701-1032 |
The 2025 property tax bill for 2566 Cedar Terrace Dr was $1,454, up 0.6% from the year before.
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 | $1,454.00 (+0.55%) | $71,280 Land $13,070 Building $58,210 | $71,280 Land $13,070 Building $58,210 |
| 2024 | $1,446.00 | ||
| 2023 | $66,620 (-2.42%) Land $13,070 Building $53,550 | $66,620 Land $13,070 Building $53,550 | |
| 2022 | $1,500.00 | $68,270 Land $13,070 Building $55,200 | |
| 2021 | $68,270 Land $13,070 Building $55,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2566 Cedar Terrace Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 49 policies |
| Nearby Flood Policies | 49 in force |
| Nearby Flood Claims | 118 (1978–2016) |
| Claims Outside the SFHA | 11 of 118 |
| Most Recent Claim | Sep 2016 · Severe Storms And Flooding |
| Claims by Event |
|
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 risk around 2566 Cedar Terrace 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 99.1% 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.
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 21 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 | 1,000 / 50 |
| GigFire Fixed Wireless | 150 / 130 |
| AT&T Fixed Wireless | 100 / 20 |
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