Black Hawk County property record for 3905 Memory Ln, Waterloo, IA 50702 · Last verified June 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2003 |
| Square Footage | 1,871 sqft Living Area |
| Lot Size | 161,738 sqft (3.71 acres) |
| Garage | Attached, 506 sqft |
| Occupancy | Owner Occupied |
| Tax Bill | $6,572.00 (2025) |
| Primary APN | 8812-18-328-004 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Partial Baths | 2 Partial Baths |
| Total Rooms | 7 Rooms |
| Building Area | 1,871 sqft Living Area |
| 1st Floor | 1,871 sqft 1st Floor |
| Basement Area | 1,871 sqft Basement |
| Game Room | Game Room |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Vinyl Exterior |
| Construction Type | Frame Construction |
| Roof Construction | Gable Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 161,738 sqft (3.71 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 506 sqft Garage |
| Shed | 1 Shed |
|---|---|
| Shed Area | 400 sqft Shed |
| Deck Area | 204 sqft Deck |
| Patio Area | 102 sqft Patio |
| Porch Area | 126 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 3905 MEMORY LN |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50702-4848 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | CEDAR HILLS TRACT Q |
| Legal Range | 12W |
| Legal Township | 88N |
| Legal Section | 18 |
| Legal Subdivision | CEDAR HILLS |
| Legal Tract | Q |
| Legal Lot Number | Q |
| Jurisdiction | BLACK HAWK IA |
| Minor Civil Division | WATERLOO |
| Census Blockgroup | 3 |
| Census Block | 3003 |
| Census Tract | 3001 |
Source: Black Hawk County records · APN 8812-18-328-004
Assessment roll updated October 17, 2025 · Last verified June 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 File |
|---|---|
| Mailing Address | 3905 MEMORY LN, WATERLOO, IA 50702-4848 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Transfer Date | Feb 05, 2025 |
| Transfer Doc | 0202501703 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 3905 MEMORY LN, WATERLOO, IA 50702-4848 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202100008977 |
|---|---|
| Date | Oct 26, 2020 |
| Instrument | 202100008977 |
| Name | FARMERS STATE BANK |
|---|---|
| Type | Bank |
| Address | WATERLOO, IA 50701 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 01, 2035 |
Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,572.00 Homeowner's exemption | $373,030 (+14.13%) Land $76,280 Building $296,750 | $373,030 (+14.13%) Land $76,280 Building $296,750 |
| 2024 | $6,572.00 (+7.77%) | ||
| 2023 | $326,840 (+14.06%) Land $76,280 Building $250,560 | $326,840 (+14.06%) Land $76,280 Building $250,560 | |
| 2022 | $6,098.00 Homeowner's exemption | $286,550 Land $76,280 Building $210,270 | |
| 2021 | $286,550 Land $76,280 Building $210,270 |
Source: FEMA National Flood Hazard Layer, Black Hawk County (19013C), updated September 27, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 4% of the US · above 28% of Iowa |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures