315 Windsor Dr, Waterloo, IA 50701 Property Records

Black Hawk County property record for 315 Windsor Dr, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,358 sqft · built 1941
Lot Size	0.303 acres (13,200 sqft)
Owner	2 Individual Names on File
Last Sale	$109,000 (Aug 2006)
Tax Bill	$2,916 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit Aug 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-34-427-033`

Property Details

APN / Parcel Number

Primary APN	`8913-34-427-033`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,358 sqft Living Area
1st Floor Area	728 sqft
Basement Area	728 sqft
Finished Basement	300 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1941
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,200 sqft (0.303 acres)
Lot Dimensions	220 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	24 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	315 WINDSOR DR
City	WATERLOO
State	IA
Zip	50701-4264
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PROSPECT HILLS ADDITION PART OF LOTS 17 AND 18 COM ON E LINE LOT 17 AT PT 120 FT N OF SE COR TH N 60 FT TH W 233.55 FT TO
Legal Range	13W
Legal Township	89N
Legal Section	34
Legal Subdivision	PROSPECT HILLS ADDITION
Legal Lot Number	17,18
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	5
Census Block	5001
Census Tract	1400

Owner

315 Windsor Dr is owned and occupied by two individuals who bought it in August 2006.

Source: Black Hawk County records, as of September 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	315 WINDSOR DR, WATERLOO, IA 50701-4264
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 28, 2024	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Aug 24, 2017	Deed of Trust, Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 2006 · Amount on File
Deed Sale	Aug 24, 2006 · Amount on File
Deed Document Number	20062007004592
Prior Transfer Date	Aug 23, 2006
Prior Transfer Doc	2007004592
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	315 WINDSOR DR, WATERLOO, IA 50701-4264
Transaction Type	Mortgage
Record Updated	Mar 14, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 WINDSOR DR, WATERLOO, IA 50701-4264

Mortgage

Document Number	202400010522
Date	Feb 28, 2024
Instrument	202400010522

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	PO BOX 6000, WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Feb 27, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	315 WINDSOR DR, WATERLOO, IA 50701-4264
Transaction Type	Mortgage
Record Updated	Sep 12, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 2018-00003395
Date	Aug 24, 2017
Instrument	2018-00003395

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	Waterloo, IA 50704

Agreement

Amount	Amount on Record
Term	121 Months
Due	Sep 5, 2027

Tax Assessment & Valuation

The 2025 property tax bill for 315 Windsor Dr was $2,916 with a homeowner's exemption, up 3.8% from the year before.

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	$2,916.00 (+3.77%) Homeowner's exemption	$153,810 Land $27,120 Building $126,690	$153,810 Land $27,120 Building $126,690
2024	$2,810.00
2023		$139,800 (+17.16%) Land $27,120 Building $112,680	$139,800 Land $27,120 Building $112,680
2022	$2,426.00 Homeowner's exemption	$119,320 Land $27,120 Building $92,200
2021			$119,320 Land $27,120 Building $92,200

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

Flood

FEMA maps place 315 Windsor Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2010.

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
Nearby Flood Claims	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2010 · other causes

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

Wildfire risk around 315 Windsor 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 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.

Nearby Properties on Windsor Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures