331 Crestridge Dr, Waterloo, IA 50702 Property Records

Black Hawk County property record for 331 Crestridge Dr, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,276 sqft · built 1963
Lot Size	0.511 acres (22,264 sqft)
Owner	Company Name on Record
Last Sale	$220,500 (Feb 2022)
Tax Bill	$4,414 (2025)
Deeds & Mortgages	Jul 2020 Mortgage May 2016 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`8812-07-153-012`

Property Details

APN / Parcel Number

Primary APN	`8812-07-153-012`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,276 sqft Living Area
1st Floor Area	1,056 sqft
Basement Area	1,056 sqft
Finished Basement	650 sqft
Unfinished Basement	1,056 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	22,264 sqft (0.511 acres)
Lot Dimensions	184 ft deep x 130 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	530 sqft
Patio Area	530 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	331 CRESTRIDGE DR
City	WATERLOO
State	IA
Zip	50702-4626
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CEDAR TERRACE SECOND ADDITION LOT 29 & EASE
Legal Range	12W
Legal Township	88N
Legal Section	07
Legal Subdivision	CEDAR TERRACE SECOND ADDITION
Legal Lot Number	29
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1030
Census Tract	2901

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	Company Name on Record
Mailing Address	3407 APOLLO ST, CEDAR FALLS, IA 50613-1812
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
May 31, 2016	Deed of Trust, Mortgage · Commercial Mortgage UNIVERSITY OF IOWA COMMUNITY CU
Aug 22, 2006	Deed of Trust, Mortgage VERIDIAN CU
Feb 26, 2007	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
Aug 10, 2011	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
Feb 23, 2022	Warranty Deed, Transfer · Line of Credit FIRST BANK
May 31, 2016	Warranty Deed, Transfer · Closed-End Mortgage UNIVERSITY OF IOWA COMMUNITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 23, 2022 · Amount on Record
Deed Sale	Feb 23, 2022 · Amount on Record
Deed Document Number	202217024
Prior Transfer Date	Aug 6, 2014
Prior Transfer Doc	201500002849
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	331 CRESTRIDGE DR, WATERLOO, IA 50702-4626
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100000498
Date	Jul 8, 2020
Instrument	202100000498

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

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

May 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	331 CRESTRIDGE DR, WATERLOO, IA 50702-4626
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201600020320
Date	May 31, 2016
Instrument	2016-00020320

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jun 5, 2026

August 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	331 CRESTRIDGE DR, WATERLOO, IA 50702-4626
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	BLACK HAWK COUNTY ABSTRACT, BLACK HAWK COUNTY ABSTRACT C

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2007004396
Date	Aug 22, 2006
Instrument	2007004396

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Amount	Amount Recorded
Term	6 Months
Due	Feb 14, 2007

February 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	331 CRESTRIDGE DR, WATERLOO, IA 50702-4626
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2007018078
Date	Feb 26, 2007
Instrument	2007018078

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2037

August 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	331 CRESTRIDGE DR, WATERLOO, IA 50702-4626
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2012002605
Date	Aug 10, 2011
Instrument	2012002605

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2041

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Feb 23, 2022
Property Address	331 CRESTRIDGE DR, WATERLOO, IA 50702-4626
Document Number	202200017024
Instrument Date	Feb 23, 2022
Instrument	202200017024
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$352.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2512 WHITE TAIL DR, CEDAR FALLS, IA 50613-7224

Mortgage

Document Number	202200017156
Date	Feb 23, 2022
Instrument	202200017156

Lender

Name	FIRST BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 23, 2052

May 2016: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 31, 2016
Property Address	331 CRESTRIDGE DR, WATERLOO, IA 50702-4626
Document Number	201600020318
Instrument Date	May 13, 2016
Instrument	2016-00020318
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
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

Mortgage

Document Number	201600020319
Date	May 31, 2016
Instrument	2016-00020319

Lender

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

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 5, 2046

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	$4,414.00 (-4.83%)	$216,280 (+1.16%) Land $31,810 Building $184,470	$216,280 (+1.16%) Land $31,810 Building $184,470
2024	$4,638.00 (+29.84%)
2023		$213,800 (+31.49%) Land $31,810 Building $181,990	$213,800 (+31.49%) Land $31,810 Building $181,990
2022	$3,572.00	$162,600 Land $31,810 Building $130,790
2021			$162,600 Land $31,810 Building $130,790

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 49 policies
Nearby Flood Policies	49 in force
Nearby Flood Claims	118 (1978–2016)
Claims Outside the SFHA	11 of 118
Most Recent Claim	Sep 2016 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2016 · 39 claims Severe Storms, Flooding, And Tornadoes, Jul 2010 · 14 claims Severe Storms, Tornadoes, And Flooding, Jun 2008 · 51 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 99.8% of the US · lower than 98.1% 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 220 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
GigFire Fixed Wireless	150 / 130

May also be available: T-Mobile.

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