Black Hawk County property record for 3852 Tami Ter, Waterloo, IA 50702
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,120 sqft · built 2001 |
| Lot Size | 0.255 acres (11,100 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $182,000 (Dec 2019) |
| Tax Bill | $4,492 (2025) |
| Deeds & Mortgages | Sep 2017 Mortgage Dec 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 8813-03-453-008 |
| Primary APN | 8813-03-453-008 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,120 sqft Living Area |
| 1st Floor Area | 1,120 sqft |
| Basement Area | 1,120 sqft |
| Finished Basement | 925 sqft |
| Unfinished Basement | 1,120 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,100 sqft (0.255 acres) |
| Lot Dimensions | 150 ft deep x 74 ft wide |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 144 sqft |
| Patio Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 3852 TAMI TER |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50702-5616 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HAMMOND HILLS FIFTH ADDITION LOT 100 |
| Legal Range | 13W |
| Legal Township | 88N |
| Legal Section | 03 |
| Legal Subdivision | HAMMOND HILLS FIFTH ADDITION |
| Legal Lot Number | 100 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 1301 |
3852 Tami Ter is owned and occupied by two individuals who bought it in December 2019.
Source: Black Hawk County records, as of September 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3852 TAMI TER, WATERLOO, IA 50702-5616 |
| 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 |
|---|---|
| Sep 6, 2017 | Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU |
| Dec 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU |
| Dec 27, 2019 | Warranty Deed, Transfer · Stand-Alone First Mortgage VERIDIAN CREDIT UNION |
| Sep 6, 2017 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 27, 2019 · Amount on File |
| Deed Sale | Dec 27, 2019 · Amount on File |
| Prior Sale | Jun 4, 2007 · Amount on File |
| Deed Document Number | 201920202000011638 |
| Prior Transfer Date | May 31, 2007 |
| Prior Transfer Doc | 2007025607 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 3852 TAMI TER, WATERLOO, IA 50702-5616 |
| Transaction Type | Mortgage |
| Record Updated | Jul 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 201800004200 |
|---|---|
| Date | Sep 6, 2017 |
| Instrument | 2018-00004200 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | WATERLOO, IA 50701 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 3852 TAMI TER, WATERLOO, IA 50702-5616 |
| Transaction Type | Mortgage |
| Record Updated | Jul 8, 2022 |
| Title Company | TITLE SERVICES |
| Name | Verified Name |
|---|---|
| Address | 3852 TAMI TER, WATERLOO, IA 50702-5616 |
| Document Number | 202100013638 |
|---|---|
| Date | Dec 29, 2020 |
| Instrument | 202100013638 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | WATERLOO, IA 50701 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Dec 27, 2019 |
| Property Address | 3852 TAMI TER, WATERLOO, IA 50702-5616 |
| Document Number | 20202000011638 |
| Instrument Date | Dec 27, 2019 |
| Instrument | 20202000011638 |
| Transaction Type | Transfer |
| Record Updated | Jul 8, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3852 TAMI TER, WATERLOO, IA 50702-5616 |
| Investor | Possibly a Property Investor |
| Document Number | 20202000011639 |
|---|---|
| Date | Dec 27, 2019 |
| Instrument | 20202000011639 |
| Name | VERIDIAN CREDIT UNION |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Sep 6, 2017 |
| Property Address | 3852 TAMI TER, WATERLOO, IA 50702-5616 |
| Document Number | 201800004199 |
| Instrument Date | Sep 5, 2017 |
| Instrument | 2018-00004199 |
| Transaction Type | Transfer |
| Record Updated | Jul 8, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount from Assessment |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3852 TAMI TER, 3852, WATERLOO, IA 50702-5616 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3852 TAMI TER, WATERLOO, IA 50702-5616 |
The 2025 property tax bill for 3852 Tami Ter was $4,492 with a homeowner's exemption, down 1.4% 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 | $4,492.00 (-1.36%) Homeowner's exemption | $231,030 Land $32,080 Building $198,950 | $231,030 Land $32,080 Building $198,950 |
| 2024 | $4,554.00 | ||
| 2023 | $220,180 (+24.1%) Land $32,080 Building $188,100 | $220,180 Land $32,080 Building $188,100 | |
| 2022 | $3,702.00 Homeowner's exemption | $177,420 Land $32,080 Building $145,340 | |
| 2021 | $177,420 Land $32,080 Building $145,340 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3852 Tami Ter 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.
The area around 3852 Tami Ter has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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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