Black Hawk County property record for 302 Joy Dr, Waterloo, IA 50701
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,024 sqft · built 1958 |
| Lot Size | 0.198 acres (8,645 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $3,332 (2025) |
| Deeds & Mortgages | Jan 2026 Line of Credit Mar 2023 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 8913-21-280-002 |
| Primary APN | 8913-21-280-002 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,024 sqft Living Area |
| 1st Floor Area | 1,024 sqft |
| Basement Area | 1,024 sqft |
| Finished Basement | 425 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 8,645 sqft (0.198 acres) |
| Lot Dimensions | 95 ft deep x 117 ft wide |
| Garage Type | Attached |
| Garage Area | 442 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 120 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 302 JOY DR |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50701-1826 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ZELMAR FIRST ADDITION LOT 40 |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 21 |
| Legal Subdivision | ZELMAR FIRST ADDITION |
| Legal Lot Number | 40 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 1503 |
Source: Black Hawk County records, as of September 1, 2026
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 Record |
|---|---|
| Mailing Address | 302 JOY DR, WATERLOO, IA 50701-1826 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 21, 2026 | Deed of Trust, Mortgage · Line of Credit VERIDIAN CU |
| Mar 8, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage VERIDIAN CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 302 JOY DR, WATERLOO, IA 50701-1826 |
| Transaction Type | Mortgage |
| Record Updated | Jan 30, 2026 |
| Name | Verified Name |
|---|---|
| Address | 302 JOY DR, WATERLOO, IA 50701-1826 |
| Document Number | 0202600875 |
|---|---|
| Date | Jan 21, 2026 |
| Instrument | 2026-00875 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | PO BOX 6000, WATERLOO, IA 50704 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 61 Months |
| Due | Feb 5, 2031 |
| Change Frequency | Monthly |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 302 JOY DR, WATERLOO, IA 50701-1826 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2023 |
| Name | Verified Name |
|---|---|
| Address | 302 JOY DR, WATERLOO, IA 50701-1826 |
| Document Number | 202300012221 |
|---|---|
| Date | Mar 8, 2023 |
| Instrument | 202300012221 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | WATERLOO, IA 50704 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Mar 20, 2028 |
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 | $3,332.00 (+7.35%) Homeowner's exemption | $174,170 (+13.59%) Land $26,460 Building $147,710 | $174,170 (+13.59%) Land $26,460 Building $147,710 |
| 2024 | $3,104.00 (+32.42%) | ||
| 2023 | $153,330 (+32.66%) Land $26,460 Building $126,870 | $153,330 (+32.66%) Land $26,460 Building $126,870 | |
| 2022 | $2,344.00 Homeowner's exemption | $115,580 Land $26,460 Building $89,120 | |
| 2021 | $115,580 Land $26,460 Building $89,120 |
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 |
|---|
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 273 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| Nextlink Fixed Wireless | 100 / 20 |
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