321 Hillcrest Rd, Waterloo, IA 50701 Property Records

Black Hawk County property record for 321 Hillcrest Rd, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,500 sqft · built 1965
Lot Size	0.263 acres (11,446 sqft)
Owner	2 Individual Names on File
Last Sale	$206,500 (May 2022)
Tax Bill	$5,620 (2025)
Deeds & Mortgages	Sep 2022 Second Mortgage May 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8813-04-276-029`

Property Details

APN / Parcel Number

Primary APN	`8813-04-276-029`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,500 sqft Living Area
1st Floor Area	1,305 sqft
Basement Area	1,305 sqft
Finished Basement	525 sqft
Unfinished Basement	1,305 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	11,446 sqft (0.263 acres)
Lot Dimensions	118 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	119 sqft
Deck Area	392 sqft
Patio Area	392 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	321 HILLCREST RD
City	WATERLOO
State	IA
Zip	50701-5013
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUTHGATE LOT 1
Legal Range	13W
Legal Township	88N
Legal Section	04
Legal Subdivision	SOUTHGATE
Legal Lot Number	1
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1000
Census Tract	1302

Owner

321 Hillcrest Rd is owned and occupied by two individuals who bought it in May 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	321 HILLCREST RD, WATERLOO, IA 50701-5013
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
Sep 14, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VERIDIAN CU
May 26, 2022	Warranty Deed, Transfer TITLE SERVICES GROUP, TITLE SERVICES CORP
May 26, 2022	Affidavit of Death of Joint Tenant, Transfer TITLE SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 2022 · Amount on File
Deed Sale	May 26, 2022 · Amount on File
Deed Document Number	202223058
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	321 HILLCREST RD, WATERLOO, IA 50701-5013
Transaction Type	Mortgage
Record Updated	Sep 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 HILLCREST RD, WATERLOO, IA 50701-5013

Mortgage

Document Number	202300004495
Date	Sep 14, 2022
Instrument	202300004495

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	60 Months
Due	Sep 25, 2027

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 26, 2022
Property Address	321 HILLCREST RD, WATERLOO, IA 50701-5013
Document Number	202200023058
Instrument Date	May 22, 2022
Instrument	202200023058
Transaction Type	Transfer
Record Updated	Jun 10, 2022
Title Company	TITLE SERVICES GROUP, TITLE SERVICES CORP

Transaction

Amount	Amount on Record
Tax	$329.60
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	321 HILLCREST RD, WATERLOO, IA 50701-5013

May 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	BLACK HAWK IA
Recording Date	May 26, 2022
Property Address	321 HILLCREST RD, WATERLOO, IA 50701-5013
Document Number	202200023057
Instrument Date	May 22, 2022
Instrument	202200023057
Transaction Type	Transfer
Record Updated	Jun 10, 2022
Title Company	TITLE SERVICES

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

The 2025 property tax bill for 321 Hillcrest Rd was $5,620, up 7.3% 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	$5,620.00 (+7.33%)	$275,360 Land $35,600 Building $239,760	$275,360 Land $35,600 Building $239,760
2024	$5,236.00
2023		$241,390 (+31.01%) Land $35,600 Building $205,790	$241,390 Land $35,600 Building $205,790
2022	$4,046.00 Homeowner's exemption	$184,250 Land $35,600 Building $148,650
2021			$184,250 Land $35,600 Building $148,650

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

Flood

FEMA maps place 321 Hillcrest Rd in Zone X, an area of minimal flood risk.

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.

Wildfire

The area around 321 Hillcrest Rd has no burnable land within ember reach, so its wildfire risk is not rated.

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.

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 332 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
GigFire Fixed Wireless	150 / 130

May also be available: T-Mobile, Verizon.

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