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3872 Jay Ln, Waterloo, IA 50701 Property Records

Black Hawk County property record for 3872 Jay Ln, Waterloo, IA 50701

Property Summary

Property TypeSingle Family Home
Details3 bd · 3.5 ba · 1,520 sqft · built 2004
Lot Size0.124 acres (5,422 sqft)
OwnerIndividual Name on Record
Last Sale$230,000 (Jun 2025)
Tax Bill$4,742 (2025)
Deeds & MortgagesJun 2025 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN8913-20-255-048

Property Details

APN / Parcel Number

Primary APN8913-20-255-048

Interior

Bedrooms3 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Total Rooms7 Rooms
Stories2 Stories
Building Area1,520 sqft Living Area
1st Floor Area760 sqft
Basement Area760 sqft
Finished Basement600 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2004
Effective Year BuiltEffective 2004
Exterior MaterialVinyl
Construction TypeFrame
Roof TypeGable
Roof MaterialAsphalt
Lot Area5,422 sqft (0.124 acres)
Lot Dimensions155 ft deep x 35 ft wide
Garage TypeAttached
Garage Area576 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchSlab
Porch Area160 sqft
Deck AreaDeck Area
Patio Area72 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC

Location & Zoning

Street Address3872 JAY LN
CityWATERLOO
StateIA
Zip50701-5603
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionACORN ADDITION LOT 18
Legal Range13W
Legal Township89N
Legal Section20
Legal SubdivisionACORN ADDITION
Legal Lot Number18
JurisdictionBLACK HAWK IA
Township / Civil DivisionWATERLOO
Census Block Group2
Census Block2043
Census Tract1503

Owner

Source: Black Hawk County records, as of May 27, 2026

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

Owner of RecordIndividual Name on Record
Mailing Address3872 JAY LN, WATERLOO, IA 50701-5603
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 2, 2025 · Amount on Record
Deed SaleJun 2, 2025 · Amount on Record
Prior SaleOct 5, 2005 · Amount on Record
Deed Document Number20257561
Prior Transfer DateOct 4, 2005
Prior Transfer Doc2006009100
Record UpdatedSep 20, 2026

June 2025: Deed, Transfer

Document TypeDeed
JurisdictionBLACK HAWK IA
Recording DateJun 2, 2025
Property Address3872 JAY LN, WATERLOO, IA 50701-5603
Document Number0202507561
Instrument DateMay 28, 2025
Instrument2025-07561
Transaction TypeTransfer
Record UpdatedOct 21, 2025

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$367.20
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3872 JAY LN, WATERLOO, IA 50701-5603

Mortgage

Document Number0202507562
DateJun 2, 2025
Instrument2025-07562
Lender
NameFARMERS STATE BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 1, 2055

Tax Assessment & Valuation

Source: Black Hawk County assessment roll, as of October 17, 2025

Property Jurisdictions

TypeName
StateIowa
CountyBlack Hawk County
MunicipalityWaterloo City
Unified School DistrictCedar Falls Community School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,742.00$248,020 (+7.97%) Land $24,330 Building $223,690$248,020 (+7.97%) Land $24,330 Building $223,690
2024$4,742.00 (+16.63%)
2023$229,720 (+29.99%) Land $24,330 Building $205,390$229,720 (+29.99%) Land $24,330 Building $205,390
2022$4,066.00$176,720 Land $24,330 Building $152,390
2021$176,720 Land $24,330 Building $152,390

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 in force
Nearby Flood Claims58 (1978–2016)
Most Recent ClaimSep 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 RiskLow
lower than 99.8% of the US · lower than 98.1% of Iowa
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemWATERLOO WATER WORKS
serves 69,504 people · EPA ID IA0790074
Water SourceGroundwater
Last State InspectionNov 2023
Lead2 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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