3844 Jay Ln, Waterloo, IA 50701 Property Records

Black Hawk County property record for 3844 Jay Ln, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,152 sqft · built 2004
Lot Size	0.124 acres (5,422 sqft)
Owner	Individual Name on Record
Last Sale	$230,000 (Sep 2024)
Tax Bill	$3,718 (2025)
Deeds & Mortgages	Apr 2018 Mortgage Sep 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-20-255-041`

Property Details

APN / Parcel Number

Primary APN	`8913-20-255-041`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,152 sqft Living Area
1st Floor Area	576 sqft
Basement Area	576 sqft
Finished Basement	450 sqft
Unfinished Basement	576 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
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	192 sqft
Deck Area	Deck Area
Patio Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3844 JAY LN
City	WATERLOO
State	IA
Zip	50701-5603
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACORN ADDITION LOT 11
Legal Range	13W
Legal Township	89N
Legal Section	20
Legal Subdivision	ACORN ADDITION
Legal Lot Number	11
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2043
Census Tract	1503

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	Individual Name on Record
Mailing Address	3844 JAY LN, WATERLOO, IA 50701-5603
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2018	Deed of Trust, Mortgage UNIVERSITY OF IOWA CREDIT UNION
Sep 22, 2023	Warranty Deed, Transfer BLACK HAWK COUNTY ABSTRACT, BLACK HAWK CO ABSTRACT
Apr 12, 2018	Warranty Deed, Transfer · ARM UNIVERSITY OF IOWA CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 22, 2024 · Amount on Record
Deed Sale	Sep 22, 2024 · Amount on Record
Prior Sale	Sep 22, 2023 · Amount on Record
Deed Document Number	20244101
Prior Transfer Date	Sep 14, 2005
Prior Transfer Doc	2006009816
Record Updated	Oct 29, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	3844 JAY LN, WATERLOO, IA 50701-5603
Transaction Type	Mortgage
Record Updated	Oct 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800016530
Date	Apr 12, 2018
Instrument	201800016530

Lender

Name	UNIVERSITY OF IOWA CREDIT UNION

Agreement

Amount	Amount Recorded
Term	69 Months
Due	Jan 1, 2024

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 22, 2023
Property Address	3844 JAY LN, WATERLOO, IA 50701-5603
Document Number	202400004101
Instrument Date	Sep 14, 2023
Instrument	202400004101
Transaction Type	Transfer
Record Updated	Oct 10, 2023
Title Company	BLACK HAWK COUNTY ABSTRACT, BLACK HAWK CO ABSTRACT

Transaction

Amount	Amount Recorded
Tax	$367.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3844 JAY LN, WATERLOO, IA 50701-5603

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 12, 2018
Property Address	3844 JAY LN, WATERLOO, IA 50701-5603
Document Number	201800016528
Instrument Date	Mar 30, 2018
Instrument	201800016528
Transaction Type	Transfer
Record Updated	Oct 10, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3844 JAY LN, WATERLOO, IA 50701-5603

Mortgage

Document Number	201800016529
Date	Apr 12, 2018
Instrument	201800016529

Lender

Name	UNIVERSITY OF IOWA CREDIT UNION

Agreement

Type	ARM
Amount	Amount Recorded
Term	357 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.7%
Type Change Date	May 1, 2023
Index	1-Year CMT

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	Cedar Falls Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,718.00 (+0.6%) Homeowner's exemption	$218,850 (+6.16%) Land $24,330 Building $194,520	$218,850 (+6.16%) Land $24,330 Building $194,520
2024	$3,696.00 (+6.94%)
2023		$206,160 (+29.6%) Land $24,330 Building $181,830	$206,160 (+29.6%) Land $24,330 Building $181,830
2022	$3,456.00 Homeowner's exemption	$159,080 Land $24,330 Building $134,750
2021			$159,080 Land $24,330 Building $134,750

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	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

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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