3854 Memory Ln, Waterloo, IA 50701 Property Records

Black Hawk County property record for 3854 Memory Ln, Waterloo, IA 50701 · Last verified June 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 2005
Square Footage	1,040 sqft Living Area
Lot Size	10,080 sqft (0.231 acres)
Occupancy	Owner Occupied
Last Sale	$20,062 (2005)
Tax Bill	$3,286.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`8812-18-376-040`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,040 sqft Living Area
1st Floor	1,040 sqft 1st Floor
Basement Area	1,040 sqft Basement
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Vinyl Exterior
Construction Type	Frame Construction
Roof Construction	Gable Roof Construction
Roof Material	Asphalt Roof
Lot Area	10,080 sqft (0.231 acres)
Depth X Width	126 ft x 80 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Detached Garage
Garage Area	576 sqft Garage

Utilities and HVAC

Cooling System	Central Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	3854 MEMORY LN
City	WATERLOO
State	IA
Zip	50701-9351
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	CEDAR HILLS SECOND ADDITION A REPLAT OF TRACTS A & B LOT 10
Legal Range	12W
Legal Township	88N
Legal Section	18
Legal Subdivision	CEDAR HILLS SECOND ADDITION
Legal Tract	A
Legal Lot Number	10
Jurisdiction	BLACK HAWK IA
Minor Civil Division	WATERLOO
Census Blockgroup	3
Census Block	3012
Census Tract	3001

Owner

Source: Black Hawk County records · APN 8812-18-376-040

Assessment roll updated October 17, 2025 · Last verified June 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	3854 MEMORY LN, WATERLOO, IA 50701-9351
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 30, 2005 · Amount on Record
Deed Sale	Dec 30, 2005 · Amount on Record
Prior Sale	Dec 30, 2005 · Amount on Record
Deed Doc Number	2005200616542
Record Refreshed	Sep 20, 2026

Tax Assessment & Valuation

Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Iowa
County	Black Hawk County
Municipality	Waterloo City
Unified School District	Waterloo Community School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,286.00	$176,700 (+16.64%) Land $23,280 Building $153,420	$176,700 (+16.64%) Land $23,280 Building $153,420
2024	$3,286.00 (+14.65%)
2023		$151,490 (+16.07%) Land $23,280 Building $128,210	$151,490 (+16.07%) Land $23,280 Building $128,210
2022	$2,866.00	$130,520 Land $23,280 Building $107,240
2021			$130,520 Land $23,280 Building $107,240

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Black Hawk County (19013C), updated September 27, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 4% of the US · above 28% of Iowa
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.