3852 Jay Ln, Waterloo, IA 50701 Property Records

Black Hawk County property record for 3852 Jay Ln, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,152 sqft · built 2004
Lot Size	0.124 acres (5,422 sqft)
Owner	Company Name on Record
Last Sale	$220,000 (May 2026)
Tax Bill	$4,068 (2025)
Deeds & Mortgages	Sep 2026 Transfer May 2014 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`8913-20-255-043`

Property Details

APN / Parcel Number

Primary APN	`8913-20-255-043`

Interior

Bedrooms	3 Beds
Full Baths	3.5 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	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Brick
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	3852 JAY LN
City	WATERLOO
State	IA
Zip	50701-5603
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACORN ADDITION LOT 13
Legal Range	13W
Legal Township	89N
Legal Section	20
Legal Subdivision	ACORN ADDITION
Legal Lot Number	13
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 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	1902 VALLEY HIGH DR, CEDAR FALLS, IA 50613-6155
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Estate

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
May 5, 2014	Deed of Trust, Mortgage · Conventional Mortgage UNIVERSITY OF IOWA COMMUNITY CU
May 21, 2026	Warranty Deed, Transfer · Conventional Mortgage FARMERS STATE BANK
May 21, 2026	Warranty Deed, Transfer · Conventional Mortgage FARMERS STATE BANK
Jun 16, 2022	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Jul 16, 2021	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 21, 2026 · Amount on Record
Deed Sale	May 21, 2026 · Amount on Record
Prior Sale	Jun 16, 2022 · Amount on Record
Deed Document Number	20267398
Last Transfer Date	Aug 27, 2026
Transfer Doc	0000013854
Record Updated	Oct 29, 2026

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 14, 2026
Property Address	3852 JAY LN, WATERLOO, IA 50701-5603
Document Number	0000013854
Instrument Date	Aug 27, 2026
Instrument	202613854
Transaction Type	Transfer
Record Updated	Sep 18, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Estate
Address	1902 VALLEY HIGH DR, CEDAR FALLS, IA 50613-6155

May 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	3852 JAY LN, WATERLOO, IA 50701-5603
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201400019400
Date	May 5, 2014
Instrument	201400019400

Lender

Name	UNIVERSITY OF IOWA COMMUNITY CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2044

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 21, 2026
Property Address	3852 JAY LN, WATERLOO, IA 50701-5603
Document Number	0000007398
Instrument Date	May 19, 2026
Instrument	2026.7398
Transaction Type	Transfer
Record Updated	May 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$35,471.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1902 VALLEY HIGH DR, CEDAR FALLS, IA 50613-6155

Mortgage

Document Number	0000007399,
Date	May 21, 2026
Instrument	2026..7399

Lender

Name	FARMERS STATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 21, 2026
Property Address	3852 JAY LN, WATERLOO, IA 50701-5603
Document Number	0202607398
Instrument Date	May 19, 2026
Instrument	20267398
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$35,471.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1902 VALLEY HIGH DR, CEDAR FALLS, IA 50613-6155

Mortgage

Document Number	0000007399,
Date	May 21, 2026
Instrument	20267399

Lender

Name	FARMERS STATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 16, 2022
Property Address	3852 JAY LN, WATERLOO, IA 50701-5603
Document Number	202200024428
Instrument Date	Jun 7, 2022
Instrument	202200024428
Transaction Type	Transfer
Record Updated	Jun 2, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$335.20
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	3852 JAY LN, WATERLOO, IA 50701-5603
Investor	Possibly a Property Investor

Mortgage

Document Number	202200024429
Date	Jun 16, 2022
Instrument	202200024429

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	Jul 1, 2029
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.62%
Index	1-Year CMT
Max Rate	9.62%

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jul 16, 2021
Property Address	3852 JAY LN, WATERLOO, IA 50701-5603
Document Number	202200001265
Instrument Date	Jul 6, 2021
Instrument	202200001265
Transaction Type	Transfer
Record Updated	Jun 2, 2026
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$311.20
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	3852 JAY LN, WATERLOO, IA 50701-5603

Mortgage

Document Number	202200001266
Date	Jul 16, 2021
Instrument	202200001266

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 5, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Aug 5, 2031
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	4.87%
Index	1-Year CMT
Max Rate	8.87%

Mortgage

Document Number	202200001267
Date	Jul 16, 2021
Instrument	202200001267

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Aug 5, 2031

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	$4,068.00 (+0.59%) Homeowner's exemption	$222,360 (+7.86%) Land $24,330 Building $198,030	$222,360 (+7.86%) Land $24,330 Building $198,030
2024	$4,044.00 (+17.01%)
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	$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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