357 Joy Dr, Waterloo, IA 50701 Property Records

Black Hawk County property record for 357 Joy Dr, Waterloo, IA 50701 · Last verified June 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	2 Baths
Year Built	Built 1959
Square Footage	928 sqft Living Area
Lot Size	9,350 sqft (0.215 acres)
Occupancy	Owner Occupied
Last Sale	$92,500 (2024)
Tax Bill	$3,108.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`8913-21-278-008`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	928 sqft Living Area
1st Floor	928 sqft 1st Floor
Basement Area	928 sqft Basement
Finished Basement	700 sqft Finished
Game Room	Game Room
Stories	1 Stories
Primary Flooring	Vinyl/Resilient Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Exterior Material	Vinyl Exterior
Construction Type	Frame Construction
Roof Construction	Gable Roof Construction
Roof Material	Asphalt Roof
Lot Area	9,350 sqft (0.215 acres)
Depth X Width	110 ft x 75 ft Depth x Width
Parking Spaces	1 Parking Spaces
Garage Type	Detached Garage
Garage Area	384 sqft Garage
Deck Area	192 sqft Deck
Patio Area	180 sqft Patio
Porch Area	88 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	357 JOY DR
City	WATERLOO
State	IA
Zip	50701-1825
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	ZELMAR FIRST ADDITION LOT 23
Legal Range	13W
Legal Township	89N
Legal Section	21
Legal Subdivision	ZELMAR FIRST ADDITION
Legal Lot Number	23
Jurisdiction	BLACK HAWK IA
Minor Civil Division	WATERLOO
Census Blockgroup	3
Census Block	3003
Census Tract	1503

Owner

Source: Black Hawk County records · APN 8913-21-278-008

Assessment roll updated October 17, 2025 · Last verified June 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 File
Mailing Address	514 BEVERLY HILLS ST, WATERLOO, IA 50701-2057
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 17, 2024 · Amount on Record
Deed Sale	Dec 17, 2024 · Amount on Record
Prior Sale	Feb 22, 2007 · Amount on Record
Deed Doc Number	202424985
Record Refreshed	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	357 JOY DR, WATERLOO, IA 50701-1825
Transaction Type	Mortgage
Record Updated	Oct 03, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	514 BEVERLY HILLS ST, WATERLOO, IA 50701-2057

Mortgage

Document Number	0202514029
Date	Sep 24, 2025
Instrument	2025-14029

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	1827 ANSBOROUGH AVE, WATERLOO, IA 50701

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

Tax Assessment & Valuation

Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified June 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,108.00 Homeowner's exemption	$163,050 (+13.8%) Land $24,420 Building $138,630	$163,050 (+13.8%) Land $24,420 Building $138,630
2024	$3,108.00 (+39.87%)
2023		$143,280 (+30.24%) Land $24,420 Building $118,860	$143,280 (+30.24%) Land $24,420 Building $118,860
2022	$2,222.00 Homeowner's exemption	$110,010 Land $24,420 Building $85,590
2021			$110,010 Land $24,420 Building $85,590

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Black Hawk County (19013C), updated September 27, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.