3913 Midway Dr, Waterloo, IA 50701 Property Records

Black Hawk County property record for 3913 Midway Dr, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,284 sqft · built 1956
Lot Size	0.413 acres (18,000 sqft)
Owner	Individual Name on Record
Last Sale	$174,000 (Aug 2023)
Tax Bill	$4,374 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-20-452-013`

Property Details

APN / Parcel Number

Primary APN	`8913-20-452-013`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,284 sqft Living Area
1st Floor Area	1,284 sqft
Basement Area	1,284 sqft
Finished Basement	600 sqft
Unfinished Basement	1,284 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	18,000 sqft (0.413 acres)
Lot Dimensions	200 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Patio Area	300 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3913 MIDWAY DR
City	WATERLOO
State	IA
Zip	50701-3151
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CEDARLOO PARK LOT W-77
Legal Range	13W
Legal Township	89N
Legal Section	20
Legal Subdivision	CEDARLOO PARK
Legal Lot Number	W-77
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1014
Census Tract	1502

Owner

Source: Black Hawk County records, as of September 1, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	3913 MIDWAY DR, WATERLOO, IA 50701-3151
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 22, 2023 · Amount on Record
Deed Sale	Aug 22, 2023 · Amount on Record
Prior Sale	Aug 22, 2022 · Amount on Record
Deed Document Number	20233113
Prior Transfer Date	Nov 15, 2010
Prior Transfer Doc	2011010867
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Aug 22, 2022
Property Address	3913 MIDWAY DR, WATERLOO, IA 50701-3151
Document Number	202300003113
Instrument Date	Aug 18, 2022
Instrument	202300003113
Transaction Type	Transfer
Record Updated	Sep 5, 2022
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$277.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3913 MIDWAY DR, WATERLOO, IA 50701-3151

Mortgage

Document Number	202300003114
Date	Aug 22, 2022
Instrument	202300003114

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Type Change Date	Sep 1, 2032
Change Frequency	Annually
Min Rate At Change	3.12%
Max Rate At Change	7.12%
Index	1-Year CMT
Max Rate	11.1%

Mortgage

Document Number	202300003115
Date	Aug 22, 2022
Instrument	202300003115

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Sep 1, 2032

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	$4,374.00 (+2.2%)	$227,420 (+9.66%) Land $29,970 Building $197,450	$227,420 (+9.66%) Land $29,970 Building $197,450
2024	$4,280.00 (+17.26%)
2023		$207,380 (+30.72%) Land $29,970 Building $177,410	$207,380 (+30.72%) Land $29,970 Building $177,410
2022	$3,650.00	$158,640 Land $29,970 Building $128,670
2021			$158,640 Land $29,970 Building $128,670

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	1 in force
Nearby Flood Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2014 · rainfall accumulation

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 95% of the US · lower than 68% of Iowa
Wildfire Likelihood	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 278 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cedar Falls Utilities Fiber	10,000 / 10,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Metronet, Nextlink.

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