319 Upland Dr, Waterloo, IA 50701 Property Records

Black Hawk County property record for 319 Upland Dr, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 994 sqft · built 1964
Lot Size	0.198 acres (8,625 sqft)
Owner	2 Individual Names on Record
Last Sale	$127,000 (Jun 2017)
Tax Bill	$3,276 (2025)
Deeds & Mortgages	Jun 2017 Mortgage Jul 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8913-33-279-001`

Property Details

APN / Parcel Number

Primary APN	`8913-33-279-001`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	994 sqft Living Area
1st Floor Area	994 sqft
Basement Area	994 sqft
Finished Basement	600 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	8,625 sqft (0.198 acres)
Lot Dimensions	75 ft deep x 115 ft wide
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Patio Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	319 UPLAND DR
City	WATERLOO
State	IA
Zip	50701-3865
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PARK VIEW GARDENS FIRST REPLAT LOT 13
Legal Range	13W
Legal Township	89N
Legal Section	33
Legal Subdivision	PARK VIEW GARDENS FIRST REPLAT
Legal Lot Number	13
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1009
Census Tract	1501

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	319 UPLAND DR, WATERLOO, IA 50701-3865
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2017	Deed of Trust, Mortgage · ARM UNIVERSITY OF IOWA COMMUNITY CU
Jul 17, 2017	Deed of Trust, Mortgage · ARM UNIVERSITY OF IOWA COMMUNITY CU
Jul 17, 2017	Deed of Trust, Mortgage · Conventional Mortgage UNIVERSITY OF IOWA COMMUNITY CU
Jun 28, 2017	Warranty Deed, Transfer · Conventional Mortgage UNIVERSITY OF IOWA COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2017 · Amount on Record
Deed Sale	Jun 28, 2017 · Amount on Record
Prior Sale	Apr 11, 2012 · Amount on Record
Deed Document Number	201722952
Record Updated	Oct 29, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	319 UPLAND DR, WATERLOO, IA 50701-3865
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700022953
Date	Jun 28, 2017
Instrument	2017-00022953

Lender

Name	UNIVERSITY OF IOWA COMMUNITY CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 5, 2047

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 5, 2024
Change Frequency	Annually
Min Rate At Change	4.87%
Max Rate At Change	7.87%
Index	1-Year CMT
Max Rate	11.8%

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	319 UPLAND DR, WATERLOO, IA 50701-3865
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800000772
Date	Jul 17, 2017
Instrument	2018-00000772

Lender

Name	UNIVERSITY OF IOWA COMMUNITY CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jul 5, 2047

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2024
Change Frequency	Annually
Min Rate At Change	4.87%
Max Rate At Change	7.87%
Index	1-Year CMT
Max Rate	4.87%

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	319 UPLAND DR, WATERLOO, IA 50701-3865
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800000773
Date	Jul 17, 2017
Instrument	2018-00000773

Lender

Name	UNIVERSITY OF IOWA COMMUNITY CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 5, 2032

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 28, 2017
Property Address	319 UPLAND DR, WATERLOO, IA 50701-3865
Document Number	201700022952
Instrument Date	May 31, 2017
Instrument	2017-00022952
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$202.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	319 UPLAND DR, WATERLOO, IA 50701-3865

Mortgage

Document Number	201700022954
Date	Jun 28, 2017
Instrument	2017-00022954

Lender

Name	UNIVERSITY OF IOWA COMMUNITY CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 5, 2032

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	$3,276.00 (+5.68%) Homeowner's exemption	$171,410 (+11.97%) Land $26,760 Building $144,650	$171,410 (+11.97%) Land $26,760 Building $144,650
2024	$3,100.00 (+9.85%)
2023		$153,080 (+11.42%) Land $26,760 Building $126,320	$153,080 (+11.42%) Land $26,760 Building $126,320
2022	$2,822.00 Homeowner's exemption	$137,390 Land $26,760 Building $110,630
2021			$137,390 Land $26,760 Building $110,630

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 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	15 (1979–2020)
Most Recent Claim	Jul 2020 · rainfall accumulation
Claims by Event	Severe Storms, Flooding, And Tornadoes, Jul 2010 · 3 claims Severe Storms & Flooding, Jul 1993 · 4 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 99.1% of the US · lower than 91% of Iowa
Wildfire Likelihood	Under 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.

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 252 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
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

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