Black Hawk County property record for 3908 Memory Ln, Waterloo, IA 50702
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,145 sqft · built 2013 |
| Lot Size | 0.268 acres (11,680 sqft) |
| Owner | Individual Name on File |
| Last Sale | $150,000 (Apr 2014) |
| Tax Bill | $3,044 (2025) |
| Deeds & Mortgages | Feb 2019 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 8812-18-376-038 |
| Primary APN | 8812-18-376-038 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Building Area | 1,145 sqft Living Area |
| 1st Floor Area | 1,145 sqft |
| Basement Area | 1,145 sqft |
| Finished Basement | 750 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Architectural Style | Split Foyer |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,680 sqft (0.268 acres) |
| Lot Dimensions | 146 ft deep x 80 ft wide |
| Deck Area | 208 sqft |
| Patio Area | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 3908 MEMORY LN |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50702-4847 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CEDAR HILLS SECOND ADDITION A REPLAT OF TRACTS A & B LOT 8 |
| Legal Range | 12W |
| Legal Township | 88N |
| Legal Section | 18 |
| Legal Subdivision | CEDAR HILLS SECOND ADDITION |
| Legal Tract | A |
| Legal Lot Number | 8 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 3001 |
Source: Black Hawk County assessment roll, as of October 17, 2025
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 | 3908 MEMORY LN, WATERLOO, IA 50702-4847 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 3, 2014 · Amount on Record |
| Deed Sale | Apr 3, 2014 · Amount on Record |
| Deed Document Number | 201417657 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 3908 MEMORY LN, WATERLOO, IA 50702-4847 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2019 |
| Name | Verified Name |
|---|
| Document Number | 201900012876 |
|---|---|
| Date | Feb 26, 2019 |
| Instrument | 201900012876 |
| Name | FARMERS STATE BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Mar 1, 2029 |
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 | $3,044.00 Homeowner's exemption | $202,690 (+34.65%) Land $24,240 Building $178,450 | $202,690 (+34.65%) Land $24,240 Building $178,450 |
| 2024 | $3,044.00 (+14.52%) | ||
| 2023 | $150,530 (+15.92%) Land $24,240 Building $126,290 | $150,530 (+15.92%) Land $24,240 Building $126,290 | |
| 2022 | $2,658.00 Homeowner's exemption | $129,860 Land $24,240 Building $105,620 | |
| 2021 | $129,860 Land $24,240 Building $105,620 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 71% of Iowa |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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 321 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Waterloo Telecommunications Utility Fiber | 10,000 / 10,000 |
| Mediacom Communications Cable · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| LTD Broadband Fixed Wireless | 150 / 130 |
May also be available: Metronet Holdings.
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