Black Hawk County property record for 3860 Tami Ter, Waterloo, IA 50702
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 1,718 sqft · built 2005 |
| Lot Size | 0.255 acres (11,100 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $65,000 (Nov 2021) |
| Tax Bill | $7,354 (2025) |
| Deeds & Mortgages | Apr 2026 Construction Loan Sep 2023 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 8813-03-453-009 |
| Primary APN | 8813-03-453-009 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,718 sqft Living Area |
| 1st Floor Area | 1,718 sqft |
| Basement Area | 1,718 sqft |
| Finished Basement | 1,000 sqft |
| Unfinished Basement | 1,718 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| 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 | 676 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 31 sqft |
| Deck Area | 196 sqft |
| Patio Area | 140 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 3860 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 101 |
| Legal Range | 13W |
| Legal Township | 88N |
| Legal Section | 03 |
| Legal Subdivision | HAMMOND HILLS FIFTH ADDITION |
| Legal Lot Number | 101 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 1301 |
Source: Black Hawk County records, as of May 27, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 3860 TAMI TER, WATERLOO, IA 50702-5616 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 3, 2026 | Deed of Trust, Mortgage · Construction Mortgage CHARTER W BANK |
| Sep 5, 2023 | Warranty Deed, Transfer TITLE SERVICES |
| Nov 14, 2018 | Deed of Trust, Mortgage · Line of Credit VERIDIAN CREDIT UNION |
| Aug 23, 2021 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 8, 2021 · Amount on Record |
| Deed Sale | Nov 8, 2021 · Amount on Record |
| Prior Sale | Aug 23, 2021 · Amount on Record |
| Deed Document Number | 2021202200009847 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Apr 3, 2026 |
| Property Address | 3860 TAMI TER, WATERLOO, IA 50702-5616 |
| Document Number | 0000004499 |
| Instrument Date | Apr 3, 2026 |
| Instrument | 20264499 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|
| Document Number | 0000004499, |
|---|---|
| Date | Apr 3, 2026 |
| Instrument | 20264499 |
| Name | CHARTER W BANK |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Apr 3, 2027 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Sep 5, 2023 |
| Property Address | 3860 TAMI TER, WATERLOO, IA 50702-5616 |
| Document Number | 202400003314 |
| Instrument Date | Aug 31, 2023 |
| Instrument | 202400003314 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2023 |
| Title Company | TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Tax | $174.40 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3860 TAMI TER, WATERLOO, IA 50702-5616 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 3860 TAMI TER, WATERLOO, IA 50702-5616 |
| Transaction Type | Mortgage |
| Record Updated | Nov 24, 2021 |
| Name | Verified Name |
|---|
| Document Number | 201900007746 |
|---|---|
| Date | Nov 14, 2018 |
| Instrument | 201900007746 |
| Name | VERIDIAN CREDIT UNION |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 290 Months |
| Due | Jan 1, 2043 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Aug 23, 2021 |
| Property Address | 3860 TAMI TER, WATERLOO, IA 50702-5616 |
| Document Number | 202200004111 |
| Instrument Date | Aug 18, 2021 |
| Instrument | 202200004111 |
| Transaction Type | Transfer |
| Record Updated | Nov 24, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $503.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3860 TAMI TER, WASHBURN, IA 50702-5616 |
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 | $7,354.00 | $360,300 (+6.28%) Land $32,080 Building $328,220 | $360,300 (+6.28%) Land $32,080 Building $328,220 |
| 2024 | $7,354.00 (+24.73%) | ||
| 2023 | $339,020 (+26.27%) Land $32,080 Building $306,940 | $339,020 (+26.27%) Land $32,080 Building $306,940 | |
| 2022 | $5,896.00 Homeowner's exemption | $268,490 Land $32,080 Building $236,410 | |
| 2021 | $268,490 Land $32,080 Building $236,410 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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