Black Hawk County property record for 3714 Joan Dr, Waterloo, IA 50702
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,104 sqft · built 1977 |
| Lot Size | 0.275 acres (12,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $226,500 (Oct 2023) |
| Tax Bill | $4,448 (2025) |
| Deeds & Mortgages | Oct 2022 Sale & Mortgage Sep 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 8813-03-427-022 |
| Primary APN | 8813-03-427-022 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Building Area | 1,104 sqft Living Area |
| 1st Floor Area | 1,104 sqft |
| Basement Area | 1,104 sqft |
| Finished Basement | 300 sqft |
| Unfinished Basement | 1,104 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Split Level |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| 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 | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 80 sqft |
| Deck Area | Deck Area |
| Patio Area | 320 sqft |
| Shed | 1 Shed |
| Shed Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 3714 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 64 |
| Legal Range | 13W |
| Legal Township | 88N |
| Legal Section | 03 |
| Legal Subdivision | HAMMOND HILLS FOURTH ADDITION |
| Legal Lot Number | 64 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 1301 |
3714 Joan Dr is owned and occupied by two individuals who bought it in October 2023.
Source: Black Hawk County records, as of September 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3714 JOAN DR, WATERLOO, IA 50702-5502 |
| 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.
| Date | Document |
|---|---|
| Oct 11, 2022 | Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU |
| Sep 15, 2020 | Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU |
| Dec 12, 2018 | Warranty Deed, Transfer · Stand-Alone First Mortgage UNIVERSITY OF IOWA CREDIT UNION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 11, 2023 · Amount on File |
| Deed Sale | Oct 11, 2023 · Amount on File |
| Prior Sale | Oct 11, 2022 · Amount on File |
| Deed Document Number | 20235980 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Oct 11, 2022 |
| Property Address | 3714 JOAN DR, WATERLOO, IA 50702-5502 |
| Document Number | 202300005980 |
| Instrument Date | Oct 3, 2022 |
| Instrument | 202300005980 |
| Transaction Type | Transfer |
| Record Updated | Oct 28, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $361.60 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3714 JOAN DR, WASHBURN, IA 50702-5502 |
| Document Number | 202300005981 |
|---|---|
| Date | Oct 11, 2022 |
| Instrument | 202300005981 |
| Name | GREENSTATE CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 3714 JOAN DR, WATERLOO, IA 50702-5502 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3714 JOAN DR, WATERLOO, IA 50702-5502 |
| Document Number | 202100005613 |
|---|---|
| Date | Sep 15, 2020 |
| Instrument | 202100005613 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | WATERLOO, IA 50701 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Dec 12, 2018 |
| Property Address | 3714 JOAN DR, WATERLOO, IA 50702-5502 |
| Document Number | 201900009146 |
| Instrument Date | Dec 6, 2018 |
| Instrument | 201900009146 |
| Transaction Type | Transfer |
| Record Updated | Feb 10, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3714 JOAN DR, WATERLOO, IA 50702-5502 |
| Document Number | 201900009147 |
|---|---|
| Date | Dec 12, 2018 |
| Instrument | 201900009147 |
| Name | UNIVERSITY OF IOWA CREDIT UNION |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2049 |
The 2025 property tax bill for 3714 Joan Dr was $4,448 with a homeowner's exemption, down 0.5% from the year before.
Source: Black Hawk County assessment roll, as of October 17, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,448.00 (-0.49%) Homeowner's exemption | $228,880 Land $34,680 Building $194,200 | $228,880 Land $34,680 Building $194,200 |
| 2024 | $4,470.00 | ||
| 2023 | $216,290 (+31.51%) Land $34,680 Building $181,610 | $216,290 Land $34,680 Building $181,610 | |
| 2022 | $3,418.00 Homeowner's exemption | $164,470 Land $34,680 Building $129,790 | |
| 2021 | $164,470 Land $34,680 Building $129,790 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3714 Joan Dr in Zone X, an area of minimal flood risk.
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 risk around 3714 Joan Dr 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.
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 |
| 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.
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 |
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