321 Westbourne Rd, Waterloo, IA 50701 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,196 sqft · built 1966
Lot Size	0.217 acres (9,450 sqft)
Owner	Individual Name on Record
Last Sale	$115,000 (Jan 2019)
Tax Bill	$4,612 (2025)
Deeds & Mortgages	Jan 2019 Mortgage May 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8913-20-227-012`

Property Details

APN / Parcel Number

Primary APN	`8913-20-227-012`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,196 sqft Living Area
1st Floor Area	1,196 sqft
Basement Area	1,196 sqft
Finished Basement	550 sqft
Unfinished Basement	1,196 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Split Foyer
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,450 sqft (0.217 acres)
Lot Dimensions	140 ft deep x 85 ft wide

Exterior Amenities

Porch	Slab
Porch Area	264 sqft
Deck Area	80 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	321 WESTBOURNE RD
City	WATERLOO
State	IA
Zip	50701-1648
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WESTBOURNE TERRACE ADDITION LOT 8
Legal Range	13W
Legal Township	89N
Legal Section	20
Legal Subdivision	WESTBOURNE TERRACE ADDITION
Legal Lot Number	8
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2029
Census Tract	1503

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	Individual Name on Record
Mailing Address	321 WESTBOURNE RD, WATERLOO, IA 50701-1648
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2019	Deed of Trust, Mortgage · Stand-Alone First Mortgage UNIVERSITY OF IOWA CREDIT UNION
May 9, 2023	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Sep 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK
Jan 25, 2019	Executor's Deed, Transfer · Stand-Alone First Mortgage UNIVERSITY OF IOWA CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 25, 2019 · Amount on Record
Deed Sale	Jan 25, 2019 · Amount on Record
Deed Document Number	201911438
Record Updated	Oct 29, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	321 WESTBOURNE RD, WATERLOO, IA 50701-1648
Transaction Type	Mortgage
Record Updated	Oct 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900011440
Date	Jan 25, 2019
Instrument	201900011440

Lender

Name	UNIVERSITY OF IOWA CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Feb 1, 2029

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	321 WESTBOURNE RD, WATERLOO, IA 50701-1648
Transaction Type	Mortgage
Record Updated	May 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 WESTBOURNE RD, WATERLOO, IA 50701-1648

Mortgage

Document Number	202300014946
Date	May 9, 2023
Instrument	202300014946

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	May 8, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	321 WESTBOURNE RD, WATERLOO, IA 50701-1648
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 WESTBOUME RD, WATERLOO, IA 50701

Mortgage

Document Number	202100005228
Date	Sep 9, 2020
Instrument	202100005228

Lender

Name	FIRST NATIONAL BANK
Type	Bank
Address	WAVERLY, IA 50677

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

January 2019: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jan 25, 2019
Property Address	321 WESTBOURNE RD, WATERLOO, IA 50701-1648
Document Number	201900011438
Instrument Date	Jan 11, 2019
Instrument	201900011438
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 WESTBOURNE RD, WATERLOO, IA 50701-1648

Mortgage

Document Number	201900011439
Date	Jan 25, 2019
Instrument	201900011439

Lender

Name	UNIVERSITY OF IOWA CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

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	$4,612.00 (+7.01%)	$226,030 (+13.79%) Land $27,500 Building $198,530	$226,030 (+13.79%) Land $27,500 Building $198,530
2024	$4,310.00 (+25.29%)
2023		$198,640 (+26.83%) Land $27,500 Building $171,140	$198,640 (+26.83%) Land $27,500 Building $171,140
2022	$3,440.00	$156,620 Land $27,500 Building $129,120
2021			$156,620 Land $27,500 Building $129,120

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
Nearby Flood Policies	2 in force
Nearby Flood Claims	58 (1978–2016)
Most Recent Claim	Sep 2016 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2016 · 5 claims Severe Storms, Tornadoes, And Flooding, Jun 2008 · 11 claims Severe Storms & Flooding, Aug 1993 · 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 98% of the US · lower than 82% 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 361 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
CenturyLink DSL	140 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Cedar Falls Utilities, GigFire, Nextlink.

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