3389 Mount Vernon Dr, Waterloo, IA 50701 Property Records

Black Hawk County property record for 3389 Mount Vernon Dr, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,218 sqft · built 1968
Lot Size	0.23 acres (10,000 sqft)
Owner	2 Individual Names on File
Last Sale	$252,000 (Jul 2024)
Tax Bill	$4,548 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Jul 2015 Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`8813-05-227-003`

Property Details

APN / Parcel Number

Primary APN	`8813-05-227-003`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,218 sqft Living Area
1st Floor Area	1,218 sqft
Basement Area	1,218 sqft
Finished Basement	700 sqft
Unfinished Basement	1,218 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Exterior Material	Brick
Construction Type	Brick
Roof Type	Hip
Roof Material	Asphalt
Lot Area	10,000 sqft (0.23 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces
Patio Area	224 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3389 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 20
Legal Range	13W
Legal Township	88N
Legal Section	05
Legal Subdivision	WEST RIDGE SECOND ADDITION
Legal Lot Number	20
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2003
Census Tract	1501

Owner

3389 Mount Vernon Dr is owned and occupied by two individuals who acquired it in February 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	3389 MOUNT VERNON DR, WATERLOO, IA 50701-4620
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Oct 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Jul 21, 2015	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
Mar 23, 2012	Deed of Trust, Mortgage VERIDIAN CU
Mar 1, 2010	Deed of Trust, Mortgage · Conventional Mortgage BANKIOWA
Feb 6, 2025	Intrafamily Transfer, Transfer
Jul 10, 2023	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
May 5, 2017	Warranty Deed, Transfer · Conventional Mortgage UNIVERSITY OF IOWA COMMUNITY CU
Mar 1, 2010	Joint Tenancy Deed, Transfer · Conventional Mortgage BANKIOWA
Mar 22, 2010	Correction Deed BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK COUNTY ABSTRACT &

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 2024 · Amount on File
Deed Sale	Jul 10, 2024 · Amount on File
Prior Sale	Jul 10, 2023 · Amount on File
Deed Document Number	2024346
Last Transfer Date	Feb 3, 2025
Transfer Doc	0202501705
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	3389 MOUNT VERNON DR, WATERLOO, IA 50701-4620
Transaction Type	Mortgage
Record Updated	Feb 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200008740
Date	Oct 22, 2021
Instrument	202200008740

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	313 Months
Due	Nov 1, 2047

July 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	3389 MOUNT VERNON DR, WATERLOO, IA 50701-4620
Transaction Type	Mortgage
Record Updated	Feb 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201600001363
Date	Jul 21, 2015
Instrument	201600001363

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2030

March 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	3389 MOUNT VERNON DR, WATERLOO, IA 50701-4620
Transaction Type	Mortgage
Record Updated	Feb 19, 2026
Title Company	BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK COUNTY ABSTRACT &

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2012017430
Date	Mar 23, 2012
Instrument	2012017430

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Amount	Amount on Record
Term	121 Months
Due	Apr 5, 2022

March 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	3389 MOUNT VERNON DR, WATERLOO, IA 50701-4620
Transaction Type	Mortgage
Record Updated	Feb 19, 2026
Title Company	BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK COUNTY ABSTRACT &

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2010016196
Date	Mar 1, 2010
Instrument	2010016196

Lender

Name	BANKIOWA
Address	CEDAR FALLS, IA 50613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

February 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BLACK HAWK IA
Recording Date	Feb 6, 2025
Property Address	3389 MOUNT VERNON DR, WATERLOO, IA 50701-4620
Document Number	0202501705
Instrument Date	Feb 3, 2025
Instrument	2025-01705
Transaction Type	Transfer
Record Updated	Feb 19, 2026

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
Relationship	Joint Tenants with Right of Survivorship
Address	3389 NT VERNON DR, WATERLOO, IA 50701

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jul 10, 2023
Property Address	3389 MOUNT VERNON DR, WATERLOO, IA 50701-4620
Document Number	202400000346
Instrument Date	Jun 23, 2023
Instrument	202400000346
Transaction Type	Transfer
Record Updated	Feb 19, 2026
Title Company	TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$402.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3389 MOUNT VERNON DR, WATERLOO, IA 50701-4620

Mortgage

Document Number	202400000347
Date	Jul 10, 2023
Instrument	202400000347

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 5, 2017
Property Address	3389 MOUNT VERNON DR, WATERLOO, IA 50701-4620
Document Number	201700019318
Instrument Date	Apr 28, 2017
Instrument	2017-00019318
Transaction Type	Transfer
Record Updated	Feb 19, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$295.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3389 W MOUNT VERNON RD, CEDAR FALLS, IA 50613-9506

Mortgage

Document Number	201700019319
Date	May 5, 2017
Instrument	2017-00019319

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2047

March 2010: Joint Tenancy Deed, Transfer

Document Type	Joint Tenancy Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Mar 1, 2010
Property Address	3389 MOUNT VERNON DR, WATERLOO, IA 50701-4620
Document Number	2010016194
Instrument Date	Feb 26, 2010
Instrument	2010016194
Transaction Type	Transfer
Record Updated	Feb 19, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$267.20
Amount Accuracy	Rounded by County
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3389 MT VERNON DR

Mortgage

Document Number	2010016195
Date	Mar 1, 2010
Instrument	2010016195

Lender

Name	BANKIOWA
Address	CEDAR FALLS, IA 50613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2040

March 2010: Correction Deed

Document Type	Correction Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Mar 22, 2010
Property Address	3389 MOUNT VERNON DR, WATERLOO, IA 50701-4620
Document Number	2010017429
Instrument Date	Feb 26, 2010
Instrument	2010017429
Record Updated	Feb 19, 2026
Title Company	BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK COUNTY ABSTRACT &

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3389 MT VERNON DR

Tax Assessment & Valuation

The 2025 property tax bill for 3389 Mount Vernon Dr was $4,548, down 2.9% 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	$4,548.00 (-2.9%)	$222,850 Land $31,040 Building $191,810	$222,850 Land $31,040 Building $191,810
2024	$4,684.00
2023		$197,670 (+18.73%) Land $31,040 Building $166,630	$197,670 Land $31,040 Building $166,630
2022	$3,462.00 Homeowner's exemption	$166,480 Land $31,040 Building $135,440
2021			$166,480 Land $31,040 Building $135,440

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

Flood

FEMA maps place 3389 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 3389 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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