3134 E Schrock Rd, Waterloo, IA 50701 Property Records

Black Hawk County property record for 3134 E Schrock Rd, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,200 sqft · built 1957
Lot Size	1.66 acres (72,309 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,636 (2025)
Deeds & Mortgages	Jan 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`8812-31-101-016`

Property Details

APN / Parcel Number

Primary APN	`8812-31-101-016`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,200 sqft Living Area
1st Floor Area	1,104 sqft
Basement Area	1,104 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	72,309 sqft (1.66 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	56 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3134 E SCHROCK RD
City	WATERLOO
State	IA
Zip	50701-9482
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 16 RDS E 30 RDS N 20 RDS NW NW SEC 31 T 88 R 12 EXC THAT PART TO BLACK HAWK COUNTY AS DESC IN LD B 562 P 959
Legal Range	12W
Legal Township	88N
Legal Section	31
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR
Census Block Group	1
Census Block	1042
Census Tract	2902

Owner

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	3134 E SCHROCK RD, WATERLOO, IA 50701-9482
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	3134 E SCHROCK RD, WATERLOO, IA 50701-9482
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000012940
Date	Jan 22, 2020
Instrument	202000012940

Lender

Name	CEDAR FALLS COMMUNITY CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Black Hawk County assessment roll, as of October 17, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Black Hawk County
Unified School District	Waterloo Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,636.00 (+1.31%) Homeowner's exemption	$219,480 (+7.47%) Land $64,200 Building $155,280	$219,480 (+7.47%) Land $64,200 Building $155,280
2024	$2,602.00 (+27.67%)
2023		$204,230 (+27.41%) Land $53,500 Building $150,730	$204,230 (+27.41%) Land $53,500 Building $150,730
2022	$2,038.00 Homeowner's exemption	$160,290 Land $42,800 Building $117,490
2021			$160,290 Land $42,800 Building $117,490

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
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	21 (1993–2016)
Claims Outside the SFHA	3 of 21
Most Recent Claim	Sep 2016 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2016 · 6 claims Severe Storms, Flooding, And Tornadoes, Jul 2010 · 2 claims Severe Storms, Tornadoes, And Flooding, Jun 2008 · 12 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 97% of the US · lower than 76% of Iowa
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Alpine Communications Fiber	500 / 500
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130