3876 Jay Ln, Waterloo, IA 50701 Property Records

Black Hawk County property record for 3876 Jay Ln, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,440 sqft · built 2008
Lot Size	0.124 acres (5,422 sqft)
Owner	Individual Name on Record
Last Sale	$185,000 (Apr 2020)
Tax Bill	$4,554 (2025)
Deeds & Mortgages	Apr 2020 Sale & Mortgage Mar 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-20-255-049`

Property Details

APN / Parcel Number

Primary APN	`8913-20-255-049`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,440 sqft Living Area
1st Floor Area	720 sqft
Basement Area	720 sqft
Finished Basement	400 sqft
Unfinished Basement	720 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,422 sqft (0.124 acres)
Lot Dimensions	155 ft deep x 35 ft wide
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	180 sqft
Deck Area	Deck Area
Patio Area	49 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3876 JAY LN
City	WATERLOO
State	IA
Zip	50701-5603
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACORN ADDITION LOT 19
Legal Range	13W
Legal Township	89N
Legal Section	20
Legal Subdivision	ACORN ADDITION
Legal Lot Number	19
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2043
Census Tract	1503

Owner

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	3876 JAY LN, WATERLOO, IA 50701-5603
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2020	Warranty Deed, Transfer · FHA Mortgage DAS ACQUISITION
Mar 5, 2018	Deed of Trust, Mortgage VERIDIAN CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 28, 2020 · Amount on Record
Deed Sale	Apr 28, 2020 · Amount on Record
Prior Sale	Oct 20, 2008 · Amount on Record
Deed Document Number	202018720
Prior Transfer Date	Oct 15, 2008
Prior Transfer Doc	2009008215
Record Updated	Oct 29, 2026

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 28, 2020
Property Address	3876 JAY LN, WATERLOO, IA 50701-5603
Document Number	202000018720
Instrument Date	Apr 24, 2020
Instrument	202000018720
Transaction Type	Transfer
Record Updated	Feb 10, 2022
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$295.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3876 JAY LN, WATERLOO, IA 50701-5603

Mortgage

Document Number	202000018721
Date	Apr 28, 2020
Instrument	202000018721

Lender

Name	DAS ACQUISITION
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	3876 JAY LN, WATERLOO, IA 50701-5603
Transaction Type	Mortgage
Record Updated	Mar 28, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800014392
Date	Mar 5, 2018
Instrument	201800014392

Lender

Name	VERIDIAN CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	118 Months
Due	Jan 1, 2028

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,554.00 (+1.52%)	$236,800 (+8.96%) Land $24,330 Building $212,470	$236,800 (+8.96%) Land $24,330 Building $212,470
2024	$4,486.00 (+16.28%)
2023		$217,330 (+29.66%) Land $24,330 Building $193,000	$217,330 (+29.66%) Land $24,330 Building $193,000
2022	$3,858.00	$167,620 Land $24,330 Building $143,290
2021			$167,620 Land $24,330 Building $143,290

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	58 (1978–2016)
Most Recent Claim	Sep 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 Risk	Low lower than 99.1% of the US · lower than 91% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None 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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 361 locations within half a mile, as of December 31, 2025

Provider	Max 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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