3239 E Big Rock Rd, Waterloo, IA 50703 Property Records

Black Hawk County property record for 3239 E Big Rock Rd, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	3 bd · 5.5 ba · 2,744 sqft · built 2003
Lot Size	7.79 acres (339,332 sqft)
Owner	Individual Name on Record
Tax Bill	$8,202 (2025)
Deeds & Mortgages	Feb 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`9012-33-376-003`

Property Details

APN / Parcel Number

Primary APN	`9012-33-376-003`

Interior

Bedrooms	3 Beds
Full Baths	5.5 Baths
Half Baths	5 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,744 sqft Living Area
1st Floor Area	840 sqft
Basement Area	1,904 sqft
Finished Basement	40 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	339,332 sqft (7.79 acres)
Garage Type	Attached
Garage Area	708 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	568 sqft
Deck Area	192 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3239 E BIG ROCK RD
City	WATERLOO
State	IA
Zip	50703-9325
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PART SW SEC 33 T 90 R 12 DESC AS FOL BEG AT PT ON S LINE SAID SW THAT IS 1222.47 FT E OF SW COR SAID QTR TH N 808.23 FT TH E
Legal Range	12W
Legal Township	90N
Legal Section	33
Legal Tract	TH
Jurisdiction	BLACK HAWK IA
Township / Civil Division	BENNINGTON
Census Block Group	1
Census Block	1060
Census Tract	2700

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	3239 E BIG ROCK RD, WATERLOO, IA 50703-9325
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 7, 2022
Transfer Doc	0000016670
Record Updated	Oct 29, 2026

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BLACK HAWK IA
Recording Date	Feb 16, 2022
Property Address	3239 E BIG ROCK RD, WATERLOO, IA 50703-9325
Document Number	202200016670
Instrument Date	Feb 7, 2022
Instrument	202200016670
Transaction Type	Transfer
Record Updated	Mar 1, 2022
Title Company	SERVICELINK

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3239 E BIG ROCK RD, WATERLOO, IA 50703-9325

Mortgage

Document Number	202200016671
Date	Feb 16, 2022
Instrument	202200016671

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2037

Tax Assessment & Valuation

Source: Black Hawk County assessment roll, as of October 17, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Black Hawk County
Unified School District	Dunkerton Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,202.00 (-2.98%) Homeowner's exemption	$723,950 (+4.78%) Land $102,000 Building $621,950	$723,950 (+4.78%) Land $102,000 Building $621,950
2024	$8,454.00 (+25.17%)
2023		$690,900 (+46.36%) Land $85,000 Building $605,900	$690,900 (+46.36%) Land $85,000 Building $605,900
2022	$6,754.00 Homeowner's exemption	$472,050 Land $49,000 Building $423,050
2021			$472,050 Land $49,000 Building $423,050

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

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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
GigFire Fixed Wireless	150 / 130