349 Normandy St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 349 Normandy St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 615 sqft · built 1937
Lot Size	0.193 acres (8,400 sqft)
Owner	Individual Name on File
Tax Bill	$1,058 (2025)
Deeds & Mortgages	Oct 2017 Line of Credit Sep 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8913-15-203-006`

Property Details

APN / Parcel Number

Primary APN	`8913-15-203-006`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	615 sqft Living Area
1st Floor Area	615 sqft
Basement Area	615 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1937
Effective Year Built	Effective 1937
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,400 sqft (0.193 acres)
Lot Dimensions	140 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	349 NORMANDY ST
City	WATERLOO
State	IA
Zip	50703-1633
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BRINKER THOMAS & MC CLELLAN ADDITION LOT 2 BLK 3
Legal Range	13W
Legal Township	89N
Legal Section	15
Legal Subdivision	BRINKER THOMAS & MC CLELLAN
Legal Block	3
Legal Lot Number	2
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2024
Census Tract	1600

Owner

349 Normandy St is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	349 NORMANDY ST, WATERLOO, IA 50703-1633
Occupancy	Owner Occupied
Owner Type	Individual

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 19, 2017	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Sep 26, 2017	Deed of Trust, Mortgage VERIDIAN CU
Dec 18, 2020	Deed of Trust, Mortgage CITY OF WATERLOO
Jan 3, 2020	Deed of Trust, Mortgage · ARM VERIDIAN CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	349 NORMANDY ST, WATERLOO, IA 50703-1633
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800006968
Date	Oct 19, 2017
Instrument	2018-00006968

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	349 NORMANDY ST, WATERLOO, IA 50703-1633
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800005447
Date	Sep 26, 2017
Instrument	2018-00005447

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Amount	Amount on Record
Term	121 Months
Due	Oct 1, 2027

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	349 NORMANDY ST, WATERLOO, IA 50703-1633
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100013000
Date	Dec 18, 2020
Instrument	202100013000

Lender

Name	CITY OF WATERLOO
Type	Government Agency
Address	WATERLOO, IA 50703

Agreement

Amount	Amount on Record

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	349 NORMANDY ST, WATERLOO, IA 50703-1633
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20202000011926
Date	Jan 3, 2020
Instrument	20202000011926

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	ARM
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2035

Interest

Rate Type	Adjustable Rate
Rate	4.2%
Type Change Date	Jan 1, 2030
Index	Other

Tax Assessment & Valuation

The 2025 property tax bill for 349 Normandy St was $1,058 with a homeowner's exemption, up 2.5% 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	$1,058.00 (+2.52%) Homeowner's exemption	$62,760 Land $12,000 Building $50,760	$62,760 Land $12,000 Building $50,760
2024	$1,032.00
2023		$57,760 (+25.32%) Land $12,000 Building $45,760	$57,760 Land $12,000 Building $45,760
2022	$818.00 Homeowner's exemption	$46,090 Land $12,000 Building $34,090
2021			$46,090 Land $12,000 Building $34,090

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

Flood

FEMA maps place 349 Normandy St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1978.

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	4 in force
Nearby Flood Claims	2 (1978–1980)
Most Recent Claim	Jun 1980 · rainfall accumulation

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 349 Normandy St 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 99.1% of the US · lower than 91% 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 171 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

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