Black Hawk County property record for 3874 Tami Ter, Waterloo, IA 50702
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 1,969 sqft · built 2002 |
| Lot Size | 0.224 acres (9,768 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $280,000 (Jul 2024) |
| Tax Bill | $5,754 (2025) |
| Deeds & Mortgages | Oct 2025 Line of Credit Apr 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 8813-03-453-011 |
| Primary APN | 8813-03-453-011 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,969 sqft Living Area |
| 1st Floor Area | 1,633 sqft |
| Basement Area | 1,633 sqft |
| Finished Basement | 1,275 sqft |
| Unfinished Basement | 1,633 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 9,768 sqft (0.224 acres) |
| Lot Dimensions | 148 ft deep x 66 ft wide |
| Garage Type | Attached |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 56 sqft |
| Deck Area | 144 sqft |
| Patio Area | 372 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 3874 TAMI TER |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50702-5616 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | STURDY ADDITION LOT 50 |
| Legal Range | 13W |
| Legal Township | 88N |
| Legal Section | 03 |
| Legal Subdivision | STURDY ADDITION |
| Legal Lot Number | 50 |
| 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 September 1, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 3874 TAMI TER, WATERLOO, IA 50702-5616 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 20, 2025 | Deed of Trust, Mortgage · Line of Credit VERIDIAN CU |
| Apr 5, 2022 | Warranty Deed, Transfer · Conventional Mortgage DEERE EMPLOYEES CU |
| Mar 2, 2022 | Deed of Trust, Mortgage · Line of Credit MIDWESTONE BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 23, 2024 · Amount on Record |
| Deed Sale | Jul 23, 2024 · Amount on Record |
| Prior Sale | Apr 5, 2022 · Amount on Record |
| Deed Document Number | 202417660 |
| Prior Transfer Date | Apr 25, 2007 |
| Prior Transfer Doc | 2007022568 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 3874 TAMI TER, WATERLOO, IA 50702-5616 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3874 TAMI TER, WATERLOO, IA 50702-5616 |
| Investor | Possibly a Property Investor |
| Document Number | 0202515366 |
|---|---|
| Date | Oct 20, 2025 |
| Instrument | 2025-15366 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | PO BOX 6000, WATERLOO, IA 50704 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Oct 19, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Apr 5, 2022 |
| Property Address | 3874 TAMI TER, WATERLOO, IA 50702-5616 |
| Document Number | 202200019497 |
| Instrument Date | Mar 31, 2022 |
| Instrument | 202200019497 |
| Transaction Type | Transfer |
| Record Updated | Apr 22, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $416.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3874 TAMI TER, WATERLOO, IA 50702-5616 |
| Document Number | 202200019498 |
|---|---|
| Date | Apr 5, 2022 |
| Instrument | 202200019498 |
| Name | DEERE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 3874 TAMI TER, WATERLOO, IA 50702-5616 |
| Transaction Type | Mortgage |
| Record Updated | Mar 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 202200017382 |
|---|---|
| Date | Mar 2, 2022 |
| Instrument | 202200017382 |
| Name | MIDWESTONE BANK |
|---|---|
| Type | Bank |
| Address | FARLEY, IA 52046 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Mar 15, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $5,754.00 (-7.43%) | $307,460 (+7.31%) Land $28,610 Building $278,850 | $307,460 (+7.31%) Land $28,610 Building $278,850 |
| 2024 | $6,216.00 (+24.32%) | ||
| 2023 | $286,520 (+25.87%) Land $28,610 Building $257,910 | $286,520 (+25.87%) Land $28,610 Building $257,910 | |
| 2022 | $5,000.00 Homeowner's exemption | $227,640 Land $28,610 Building $199,030 | |
| 2021 | $227,640 Land $28,610 Building $199,030 |
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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