Black Hawk County property record for 3145 Tulip Ln, Waterloo, IA 50701
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 1,998 sqft · built 1977 |
| Lot Size | 0.516 acres (22,475 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $7,644 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Apr 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 8812-18-354-013 |
| Primary APN | 8812-18-354-013 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 5 Half Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,998 sqft Living Area |
| 1st Floor Area | 1,558 sqft |
| Basement Area | 1,998 sqft |
| Finished Basement | 750 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Metal |
| Lot Area | 22,475 sqft (0.516 acres) |
| Lot Dimensions | 150 ft deep x 145 ft wide |
| Garage Type | Mixed |
| Garage Area | 1,920 sqft |
| Parking Spaces | 7 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 102 sqft |
| Deck Area | 120 sqft |
| Patio Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 3145 TULIP LN |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50701-9126 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SOUTHDALE LOT 71 AND LOT 72 |
| Legal Range | 12W |
| Legal Township | 88N |
| Legal Section | 18 |
| Legal Subdivision | SOUTHDALE |
| Legal Lot Number | 71,72 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 3001 |
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 | 3145 TULIP LN, WATERLOO, IA 50701-9126 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Apr 9, 2020 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Jun 5, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance BANK IOWA |
| Sep 12, 2017 | Deed of Trust, Mortgage · Line of Credit VERIDIAN CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 3145 TULIP LN, WATERLOO, IA 50701-9126 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2021 |
| Title Company | TITLE SERVICES |
| Name | Verified Name |
|---|
| Document Number | 202100024918 |
|---|---|
| Date | May 26, 2021 |
| Instrument | 202100024918 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jun 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 3145 TULIP LN, WATERLOO, IA 50701-9126 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TITLE SERVICES |
| Name | Verified Name |
|---|
| Document Number | 202000017448 |
|---|---|
| Date | Apr 9, 2020 |
| Instrument | 202000017448 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | May 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 3145 TULIP LN, WATERLOO, IA 50701-9126 |
| Transaction Type | Mortgage |
| Record Updated | Jul 3, 2019 |
| Name | Verified Name |
|---|
| Document Number | 201900018296 |
|---|---|
| Date | Jun 5, 2019 |
| Instrument | 201900018296 |
| Name | BANK IOWA |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 3145 TULIP LN, WATERLOO, IA 50701-9126 |
| Transaction Type | Mortgage |
| Record Updated | Oct 4, 2017 |
| Name | Verified Name |
|---|
| Document Number | , 2018-00004613 |
|---|---|
| Date | Sep 12, 2017 |
| Instrument | 2018-00004613 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | WATERLOO, IA 50704 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Sep 5, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $7,644.00 (+10.69%) Homeowner's exemption | $400,080 (+16.9%) Land $47,610 Building $352,470 | $400,080 (+16.9%) Land $47,610 Building $352,470 |
| 2024 | $6,906.00 (+10.85%) | ||
| 2023 | $342,230 (+16.99%) Land $47,610 Building $294,620 | $342,230 (+16.99%) Land $47,610 Building $294,620 | |
| 2022 | $6,230.00 Homeowner's exemption | $292,520 Land $47,610 Building $244,910 | |
| 2021 | $292,520 Land $47,610 Building $244,910 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; 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 216 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 |
| GigFire Fixed Wireless | 150 / 130 |
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