3539 Augusta Cir, Waterloo, IA 50701 Property Records

Black Hawk County property record for 3539 Augusta Cir, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,050 sqft · built 1971
Lot Size	0.433 acres (18,870 sqft)
Owner	2 Individual Names on File
Last Sale	$424,875 (Jul 2017)
Tax Bill	$8,214 (2025)
Deeds & Mortgages	Jul 2017 Mortgage Jul 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8813-05-451-008`

Property Details

APN / Parcel Number

Primary APN	`8813-05-451-008`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,050 sqft Living Area
1st Floor Area	2,050 sqft
Basement Area	2,050 sqft
Finished Basement	625 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Wood
Lot Area	18,870 sqft (0.433 acres)
Lot Dimensions	148 ft deep x 190 ft wide
Garage Type	Attached
Garage Area	816 sqft
Parking Spaces	3 Parking Spaces
Deck Area	724 sqft
Patio Area	312 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3539 AUGUSTA CIR
City	WATERLOO
State	IA
Zip	50701-4690
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WATERLOO COUNTRY CLUB ADDITION LOT 54
Legal Range	13W
Legal Township	88N
Legal Section	05
Legal Subdivision	WATERLOO COUNTRY CLUB ADDITION
Legal Lot Number	54
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2006
Census Tract	1501

Owner

3539 Augusta Cir is owned and occupied by two individuals who bought it in July 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	3539 AUGUSTA CIR, WATERLOO, IA 50701-4690
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
Jul 10, 2017	Deed of Trust, Mortgage · ARM FARMERS STATE BANK
Jul 2, 2018	Deed of Trust, Mortgage · FHA Mortgage IOWA BANKERS MORTGAGE CORPORATION
Jun 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage FARMERS STATE BANK
Jul 10, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 2017 · Amount on File
Deed Sale	Jul 10, 2017 · Amount on File
Deed Document Number	20172018-00000351
Record Updated	Oct 29, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	3539 AUGUSTA CIR, WATERLOO, IA 50701-4690
Transaction Type	Mortgage
Record Updated	Nov 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800000348
Date	Jul 10, 2017
Instrument	2018-00000348

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	WATERLOO, IA 50701

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2024
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	5.87%
Index	1-Year CMT
Max Rate	9.87%

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	3539 AUGUSTA CIR, WATERLOO, IA 50701-4690
Transaction Type	Mortgage
Record Updated	Nov 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900000133
Date	Jul 2, 2018
Instrument	201900000133

Lender

Name	IOWA BANKERS MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	354 Months
Due	Jan 1, 2048

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	3539 AUGUSTA CIR, WATERLOO, IA 50701-4690
Transaction Type	Mortgage
Record Updated	Nov 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100026273
Date	Jun 14, 2021
Instrument	202100026273

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jul 10, 2017
Property Address	3539 AUGUSTA CIR, WATERLOO, IA 50701-4690
Document Number	201800000351
Instrument Date	Jun 23, 2017
Instrument	2018-00000351
Transaction Type	Transfer
Record Updated	Nov 22, 2022

Transaction

Amount	Amount on Record
Tax	$679.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3539 AUGUSTA CIR, WATERLOO, IA 50701-4690

Tax Assessment & Valuation

The 2025 property tax bill for 3539 Augusta Cir was $8,214 with a homeowner's exemption, down 5.6% 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	$8,214.00 (-5.61%) Homeowner's exemption	$436,960 Land $83,220 Building $353,740	$436,960 Land $83,220 Building $353,740
2024	$8,702.00
2023		$433,470 (+37.39%) Land $83,220 Building $350,250	$433,470 Land $83,220 Building $350,250
2022	$6,660.00 Homeowner's exemption	$315,510 Land $83,220 Building $232,290
2021			$315,510 Land $83,220 Building $232,290

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

Flood

FEMA maps place 3539 Augusta Cir 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 3539 Augusta Cir is low, with 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 95% of the US · lower than 68% of Iowa
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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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