3315 Mount Vernon Dr, Waterloo, IA 50701 Property Records

Black Hawk County property record for 3315 Mount Vernon Dr, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,040 sqft · built 1968
Lot Size	0.201 acres (8,750 sqft)
Owner	Individual Name on File
Last Sale	$170,000 (Feb 2024)
Tax Bill	$3,104 (2025)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Dec 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8813-05-227-014`

Property Details

APN / Parcel Number

Primary APN	`8813-05-227-014`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,040 sqft Living Area
1st Floor Area	1,040 sqft
Basement Area	1,040 sqft
Finished Basement	550 sqft
Unfinished Basement	1,040 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Exterior Material	Composition/Composite
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,750 sqft (0.201 acres)
Lot Dimensions	125 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Patio Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3315 MOUNT VERNON DR
City	WATERLOO
State	IA
Zip	50701-4620
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WEST RIDGE SECOND ADDITION LOT 31
Legal Range	13W
Legal Township	88N
Legal Section	05
Legal Subdivision	WEST RIDGE SECOND ADDITION
Legal Lot Number	31
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2003
Census Tract	1501

Owner

3315 Mount Vernon Dr is owned and occupied by an individual who bought it in February 2024.

Source: Black Hawk County records, as of October 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	3315 MOUNT VERNON DR, WATERLOO, IA 50701-4620
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 5, 2024	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Dec 19, 2023	Intrafamily Transfer, Transfer
Aug 28, 2020	Warranty Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 5, 2024 · Amount on File
Deed Sale	Feb 5, 2024 · Amount on File
Prior Sale	Aug 28, 2021 · Amount on File
Deed Document Number	20249679
Prior Transfer Date	Dec 19, 2023
Prior Transfer Doc	0000007952
Record Updated	Oct 29, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Feb 5, 2024
Property Address	3315 MOUNT VERNON DR, WATERLOO, IA 50701-4620
Document Number	202400009679
Instrument Date	Feb 2, 2024
Instrument	202400009679
Transaction Type	Transfer
Record Updated	Feb 23, 2024
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$271.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3315 MOUNT VERNON DR, WATERLOO, IA 50701-4620

Mortgage

Document Number	202400009680
Date	Feb 5, 2024
Instrument	202400009680

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Adjustable	Adjustable Rate Rider
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	8.5%
Index	1-Year CMT
Max Rate	12.5%

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BLACK HAWK IA
Recording Date	Dec 19, 2023
Property Address	3315 MOUNT VERNON DR, WATERLOO, IA 50701-4620
Document Number	202400007952
Instrument Date	Dec 19, 2023
Instrument	202400007952
Transaction Type	Transfer
Record Updated	Feb 23, 2024

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
Address	3315 MOUNT VERNON DR, WATERLOO, IA 50701-4620

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Aug 28, 2020
Property Address	3315 MOUNT VERNON DR, WATERLOO, IA 50701-4620
Document Number	202100004425
Instrument Date	Aug 22, 2020
Instrument	202100004425
Transaction Type	Transfer
Record Updated	Feb 23, 2024
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$227.20
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	3315 MOUNT VERNON DR, WATERLOO, IA 50701-4620

Mortgage

Document Number	202100004426
Date	Aug 28, 2020
Instrument	202100004426

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 3315 Mount Vernon Dr was $3,104 with a homeowner's exemption, down 3.2% 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	$3,104.00 (-3.24%) Homeowner's exemption	$163,000 Land $27,160 Building $135,840	$163,000 Land $27,160 Building $135,840
2024	$3,208.00
2023		$149,450 Land $27,160 Building $122,290	$149,450 Land $27,160 Building $122,290
2022	$2,805.00

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

Flood

FEMA maps place 3315 Mount Vernon Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2004.

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	12 units insured incl. 4 condo units
Nearby Flood Claims	1 (2004)
Most Recent Claim	Jun 2004 · Severe Storms, Tornadoes, And Flooding

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

Wildfire risk around 3315 Mount Vernon Dr is low, with less than a 0.01% annual chance of 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 268 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
GigFire Fixed Wireless	150 / 130

May also be available: Nextlink.

Cell Coverage

5G (outdoors only) and 4G LTE

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