3808 Jay Ln, Waterloo, IA 50701 Property Records

Black Hawk County property record for 3808 Jay Ln, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 600 sqft · built 2006
Lot Size	0.124 acres (5,422 sqft)
Owner	Company Name on File
Last Sale	$177,000 (Feb 2024)
Tax Bill	$3,368 (2025)
Deeds & Mortgages	Feb 2024 Sale & Line of Credit Jul 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`8913-20-255-032`

Property Details

APN / Parcel Number

Primary APN	`8913-20-255-032`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	600 sqft Living Area
1st Floor Area	600 sqft
Basement Area	600 sqft
Finished Basement	450 sqft
Unfinished Basement	600 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,422 sqft (0.124 acres)
Lot Dimensions	155 ft deep x 35 ft wide
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	144 sqft
Deck Area	156 sqft
Patio Area	156 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3808 JAY LN
City	WATERLOO
State	IA
Zip	50701-5603
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACORN ADDITION LOT 2
Legal Range	13W
Legal Township	89N
Legal Section	20
Legal Subdivision	ACORN ADDITION
Legal Lot Number	2
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2043
Census Tract	1503

Owner

3808 Jay Ln is owned by a company that bought it in February 2024.

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

Owner of Record	Company Name on File
Mailing Address	601 8TH ST, HUNTINGTON BEACH, CA 92648-4632
Owner Type	Company
Vesting	Company

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
Feb 23, 2024	Warranty Deed, Transfer · Line of Credit FIRST SECURITY BANK & TRUST CO
Jul 25, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 23, 2024 · Amount on File
Deed Sale	Feb 23, 2024 · Amount on File
Prior Sale	May 30, 2007 · Amount on File
Deed Document Number	202410363
Record Updated	Oct 29, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Feb 23, 2024
Property Address	3808 JAY LN, WATERLOO, IA 50701-5603
Document Number	202400010363
Instrument Date	Feb 22, 2024
Instrument	202400010363
Transaction Type	Transfer
Record Updated	Mar 20, 2024

Transaction

Amount	Amount on Record
Tax	$282.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	601 8TH ST, HUNTINGTON BEACH, CA 92648-4632

Mortgage

Document Number	202400010393
Date	Feb 23, 2024
Instrument	202400010393

Lender

Name	FIRST SECURITY BANK & TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Feb 15, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Mortgage

Document Number	202400010393
Date	Feb 23, 2024
Instrument	202400010393

Lender

Name	FIRST SECURITY BANK & TRUST CO
Type	Bank
Address	809 CLARK ST, CHARLES CITY, IA 50616

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Feb 15, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jul 25, 2019
Property Address	3808 JAY LN, WATERLOO, IA 50701-5603
Document Number	202000001616
Instrument Date	Jul 25, 2019
Instrument	202000001616
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3808 JAY LN, WATERLOO, IA 50701-5603

Tax Assessment & Valuation

The 2025 property tax bill for 3808 Jay Ln was $3,368, up 0.2% 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	Cedar Falls Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,368.00 (+0.24%)	$175,160 Land $24,330 Building $150,830	$175,160 Land $24,330 Building $150,830
2024	$3,360.00
2023		$162,810 (+28.92%) Land $24,330 Building $138,480	$162,810 Land $24,330 Building $138,480
2022	$2,624.00 Homeowner's exemption	$126,290 Land $24,330 Building $101,960
2021			$126,290 Land $24,330 Building $101,960

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

Flood

FEMA maps place 3808 Jay Ln in Zone X, an area of minimal flood risk, though there have been 58 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	2 in force
Nearby Flood Claims	58 (1978–2016)
Most Recent Claim	Sep 2016 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2016 · 5 claims Severe Storms, Tornadoes, And Flooding, Jun 2008 · 11 claims Severe Storms & Flooding, Aug 1993 · 12 claims

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 3808 Jay Ln 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 99.8% of the US · lower than 98.1% 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 361 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
Verizon Fixed Wireless	300 / 20
CenturyLink DSL	140 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Cedar Falls Utilities, GigFire, Nextlink.

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