Black Hawk County property record for 3875 Cedar Terrace Dr, Waterloo, IA 50702
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,092 sqft · built 1966 |
| Lot Size | 0.501 acres (21,840 sqft) |
| Owner | Individual Name on File |
| Last Sale | $125,000 (May 2016) |
| Tax Bill | $3,560 (2025) |
| Flood Zone | Zone A (high risk) |
| APN | 8812-18-226-016 |
| Primary APN | 8812-18-226-016 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,092 sqft Living Area |
| 1st Floor Area | 1,092 sqft |
| Basement Area | 1,092 sqft |
| Finished Basement | 400 sqft |
| Game Room | Game Room |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1966 |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 21,840 sqft (0.501 acres) |
| Lot Dimensions | 182 ft deep x 120 ft wide |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 216 sqft |
| Patio Area | 582 sqft |
| Shed | 1 Shed |
| Shed Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 3875 CEDAR TERRACE DR |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50702-4803 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TRIANGLE TERRACE LOT 14 |
| Legal Range | 12W |
| Legal Township | 88N |
| Legal Section | 18 |
| Legal Subdivision | TRIANGLE TERRACE |
| Legal Lot Number | 14 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1037 |
| Census Tract | 2901 |
3875 Cedar Terrace Dr is owned and occupied by an individual who bought it in May 2016.
Source: Black Hawk County records, as of September 1, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3875 CEDAR TERRACE DR, WATERLOO, IA 50702-4803 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 13, 2016 · Amount on File |
| Deed Sale | May 13, 2016 · Amount on File |
| Prior Sale | Sep 3, 2015 · Amount on File |
| Deed Document Number | 201619186 |
| Prior Transfer Date | Jan 31, 2008 |
| Prior Transfer Doc | 2008015394 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 3875 Cedar Terrace Dr was $3,560 with a homeowner's exemption, up 0.2% 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 | $3,560.00 (+0.23%) Homeowner's exemption | $185,360 Land $29,160 Building $156,200 | $185,360 Land $29,160 Building $156,200 |
| 2024 | $3,552.00 | ||
| 2023 | $173,920 (+12.86%) Land $29,160 Building $144,760 | $173,920 Land $29,160 Building $144,760 | |
| 2022 | $3,190.00 Homeowner's exemption | $154,100 Land $29,160 Building $124,940 | |
| 2021 | $154,100 Land $29,160 Building $124,940 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3875 Cedar Terrace Dr in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 27, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 49 policies |
| Nearby Flood Policies | 49 in force |
| Nearby Flood Claims | 118 (1978–2016) |
| Claims Outside the SFHA | 11 of 118 |
| Most Recent Claim | Sep 2016 · Severe Storms And Flooding |
| Claims by Event |
|
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 risk around 3875 Cedar Terrace Dr is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 68% of Iowa |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond 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 59 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 | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
| T-Mobile Fixed Wireless | 100 / 20 |
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