278 Windsor Dr, Waterloo, IA 50701 Property Records

Black Hawk County property record for 278 Windsor Dr, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,327 sqft · built 1950
Lot Size	0.195 acres (8,500 sqft)
Owner	Individual Name on Record
Last Sale	$273,000 (May 2025)
Tax Bill	$4,224 (2025)
Deeds & Mortgages	May 2020 Mortgage May 2025 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-34-401-013`

Property Details

APN / Parcel Number

Primary APN	`8913-34-401-013`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,327 sqft Living Area
1st Floor Area	1,327 sqft
Basement Area	1,327 sqft
Finished Basement	625 sqft
Unfinished Basement	1,327 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,500 sqft (0.195 acres)
Lot Dimensions	100 ft deep x 170 ft wide
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	252 sqft
Deck Area	Deck Area
Patio Area	448 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	278 WINDSOR DR
City	WATERLOO
State	IA
Zip	50701-4161
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PROSPECT HILLS ADDITION PART OF LOT 83 COM AT A PT ON NELY LINE SAID LOT THAT IS 70 FT SELY MEAS ALONG NELY LINE OF SAID LOT
Legal Range	13W
Legal Township	89N
Legal Section	34
Legal Subdivision	PROSPECT HILLS ADDITION
Legal Lot Number	82,83
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	4
Census Block	4021
Census Tract	1400

Owner

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 Record
Mailing Address	278 WINDSOR DR, WATERLOO, IA 50701-4161
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage GREENSTATE CU
May 23, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage GREENSTATE CU
May 23, 2025	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 23, 2025 · Amount on Record
Deed Sale	May 23, 2025 · Amount on Record
Prior Sale	Apr 19, 2016 · Amount on Record
Deed Document Number	20257107
Prior Transfer Date	Nov 7, 2013
Prior Transfer Doc	2014009952
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	278 WINDSOR DR, WATERLOO, IA 50701-4161
Transaction Type	Mortgage
Record Updated	Oct 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000020516
Date	May 22, 2020
Instrument	202000020516

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	278 WINDSOR DR, WATERLOO, IA 50701-4161
Transaction Type	Mortgage
Record Updated	Oct 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202507109
Date	May 23, 2025
Instrument	2025-07109

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	2355 LANDON RD, NORTH LIBERTY, IA 52317

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2040

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 23, 2025
Property Address	278 WINDSOR DR, WATERLOO, IA 50701-4161
Document Number	0202507107
Instrument Date	May 8, 2025
Instrument	2025-07107
Transaction Type	Transfer
Record Updated	Oct 21, 2025
Title Company	BLACK HAWK COUNTY ABSTRACT, BLACK HAWK COUNTY SETTLEMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$436.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	278 WINDSOR DR, WATERLOO, IA 50701-4161

Mortgage

Document Number	0202507108
Date	May 23, 2025
Instrument	2025-07108

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2055

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	$4,224.00 (+3.43%) Homeowner's exemption	$207,010 (+4.3%) Land $39,890 Building $167,120	$207,010 (+4.3%) Land $39,890 Building $167,120
2024	$4,084.00 (+17.42%)
2023		$198,480 (+18.67%) Land $39,890 Building $158,590	$198,480 (+18.67%) Land $39,890 Building $158,590
2022	$3,478.00 Homeowner's exemption	$167,250 Land $37,900 Building $129,350
2021			$167,250 Land $37,900 Building $129,350

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

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
Nearby Flood Policies	1 in force

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 94% of the US · lower than 62% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 359 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

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