3704 Joan Dr, Waterloo, IA 50702 Property Records

Black Hawk County property record for 3704 Joan Dr, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,696 sqft · built 1979
Lot Size	0.275 acres (12,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$208,000 (Nov 2023)
Tax Bill	$6,018 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8813-03-427-021`

Property Details

APN / Parcel Number

Primary APN	`8813-03-427-021`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	3 Half Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,696 sqft Living Area
1st Floor Area	1,696 sqft
Basement Area	1,696 sqft
Finished Basement	275 sqft
Unfinished Basement	1,696 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Exterior Material	Composition/Composite
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	12,000 sqft (0.275 acres)
Lot Dimensions	150 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	96 sqft
Deck Area	422 sqft
Patio Area	244 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3704 JOAN DR
City	WATERLOO
State	IA
Zip	50702-5502
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HAMMOND HILLS FOURTH ADDITION LOT 63
Legal Range	13W
Legal Township	88N
Legal Section	03
Legal Subdivision	HAMMOND HILLS FOURTH ADDITION
Legal Lot Number	63
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2000
Census Tract	1301

Owner

Source: Black Hawk County records, as of September 1, 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	3704 JOAN DR, WATERLOO, IA 50702-5502
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 15, 2023 · Amount on Record
Deed Sale	Nov 15, 2023 · Amount on Record
Prior Sale	Nov 15, 2022 · Amount on Record
Deed Document Number	20237736
Record Updated	Oct 29, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 15, 2022
Property Address	3704 JOAN DR, WATERLOO, IA 50702-5502
Document Number	202300007736
Instrument Date	Nov 1, 2022
Instrument	202300007736
Transaction Type	Transfer
Record Updated	Nov 30, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$332.00
Amount Accuracy	Rounded by County
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	3704 JOAN DR, WATERLOO, IA 50702-5502

Mortgage

Document Number	202300007737
Date	Nov 15, 2022
Instrument	202300007737

Lender

Name	FIRST BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

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	$6,018.00 (-1.31%) Homeowner's exemption	$305,800 (+4.98%) Land $34,680 Building $271,120	$305,800 (+4.98%) Land $34,680 Building $271,120
2024	$6,098.00 (+36.3%)
2023		$291,290 (+37%) Land $34,680 Building $256,610	$291,290 (+37%) Land $34,680 Building $256,610
2022	$4,474.00 Homeowner's exemption	$212,620 Land $34,680 Building $177,940
2021			$212,620 Land $34,680 Building $177,940

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 · 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	5 in force

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

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 164 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
T-Mobile Fixed Wireless	100 / 20