3404 Rosehill Ter, Waterloo, IA 50701 Property Records

Black Hawk County property record for 3404 Rosehill Ter, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,328 sqft · built 1968
Lot Size	0.277 acres (12,080 sqft)
Owner	2 Individual Names on Record
Last Sale	$295,000 (Sep 2026)
Tax Bill	$4,458 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Jul 2017 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`8813-04-152-062`

Property Details

APN / Parcel Number

Primary APN	`8813-04-152-062`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,328 sqft Living Area
1st Floor Area	1,328 sqft
Basement Area	1,328 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	A-Frame
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,080 sqft (0.277 acres)
Lot Dimensions	151 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	64 sqft
Deck Area	192 sqft
Patio Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3404 ROSEHILL TER
City	WATERLOO
State	IA
Zip	50701-4714
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DIXON PLACE THIRD ADDITION LOT 49 AND DIXON PLACE SECOND ADDITION S 10 FT LOT 43
Legal Range	13W
Legal Township	88N
Legal Section	04
Legal Subdivision	DIXON PLACE THIRD ADDITION
Legal Lot Number	43,49
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1010
Census Tract	1302

Owner

Source: Black Hawk County records, as of September 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3404 ROSEHILL TER, WATERLOO, IA 50701-4714
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2026	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CREDIT UNION
Jul 26, 2017	Deed of Trust, Mortgage · Conventional Mortgage UNIVERSITY OF IOWA COMMUNITY CU
Feb 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage LINCOLN SAVINGS BANK
Feb 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage LINCOLN SAVINGS BANK
Dec 22, 2020	Intrafamily Transfer, Transfer
Jul 26, 2017	Warranty Deed, Transfer · Stand-Alone First Mortgage UNIVERSITY OF IOWA COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2026 · Amount on Record
Deed Sale	Sep 1, 2026 · Amount on Record
Deed Document Number	202613223
Prior Transfer Date	Dec 22, 2020
Prior Transfer Doc	2100013244
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 1, 2026
Property Address	3404 ROSEHILL TER, WATERLOO, IA 50701-4714
Document Number	0000013223
Instrument Date	Aug 28, 2026
Instrument	202613223
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	BLACK HAWK COUNTY ABSTRACT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$47,591.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3404 ROSEHILL TER, WATERLOO, IA 50701-4714

Mortgage

Document Number	0000013224,
Date	Sep 1, 2026
Instrument	202613224

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.13%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	3404 ROSEHILL TER, WATERLOO, IA 50701-4714
Transaction Type	Mortgage
Record Updated	Jul 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800001440
Date	Jul 26, 2017
Instrument	2018-00001440

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 5, 2047

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	3404 ROSEHILL TER, WATERLOO, IA 50701-4714
Transaction Type	Mortgage
Record Updated	Jul 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100016489
Date	Feb 4, 2021
Instrument	202100016489

Lender

Name	LINCOLN SAVINGS BANK
Type	Bank
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	3404 ROSEHILL TER, WATERLOO, IA 50701-4714
Transaction Type	Mortgage
Record Updated	Jul 8, 2022
Title Company	BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK CNTY ABSTRACT & T

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100017782
Date	Feb 24, 2021
Instrument	202100017782

Lender

Name	LINCOLN SAVINGS BANK
Type	Bank
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BLACK HAWK IA
Recording Date	Dec 22, 2020
Property Address	3404 ROSEHILL TER, WATERLOO, IA 50701-4714
Document Number	202100013244
Instrument Date	Dec 22, 2020
Instrument	202100013244
Transaction Type	Transfer
Record Updated	Jul 8, 2022

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
Relationship	Joint Tenants with Right of Survivorship
Address	3404 ROSEHILL TER, WATERLOO, IA 50701-4714

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jul 26, 2017
Property Address	3404 ROSEHILL TER, WATERLOO, IA 50701-4714
Document Number	201800001439
Instrument Date	Jul 7, 2017
Instrument	2018-00001439
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$247.20
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
Address	3404 ROSEHILL TER, WATERLOO, IA 50701-4714

Mortgage

Document Number	201800001441
Date	Jul 26, 2017
Instrument	2018-00001441

Lender

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

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 5, 2032

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	$4,458.00 (+7.42%)	$229,360 (+13.83%) Land $32,640 Building $196,720	$229,360 (+13.83%) Land $32,640 Building $196,720
2024	$4,150.00 (+19.32%)
2023		$201,490 (+20.5%) Land $32,640 Building $168,850	$201,490 (+20.5%) Land $32,640 Building $168,850
2022	$3,478.00 Homeowner's exemption	$167,210 Land $32,640 Building $134,570
2021			$167,210 Land $32,640 Building $134,570

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	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 352 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, T-Mobile.

Cell Coverage

5G and 4G LTE (outdoors only)

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