Black Hawk County property record for 3921 Memory Ln, Waterloo, IA 50702
| Property Type | Condominium |
|---|---|
| Details | 3 bd · 1.5 ba · 1,474 sqft · built 1981 |
| Lot Size | 0.151 acres (6,575 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $100,000 (Jun 2014) |
| Tax Bill | $3,498 (2025) |
| Deeds & Mortgages | Aug 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 8812-18-328-015 |
| Primary APN | 8812-18-328-015 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,474 sqft Living Area |
| 1st Floor Area | 704 sqft |
| Basement Area | 704 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Composition/Composite |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,575 sqft (0.151 acres) |
| Deck Area | 176 sqft |
| Patio Area | 352 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 3921 MEMORY LN |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50702-4848 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | CEDAR HILLS LAKESIDE ONE CONDO UNIT 3921 |
| Legal Range | 12W |
| Legal Township | 88N |
| Legal Section | 18 |
| Legal Subdivision | CEDAR HILLS LAKESIDE ONE CONDO |
| Legal Tract | R |
| Legal Lot Number | 3921 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 3001 |
Source: Black Hawk County records, as of May 27, 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 | 3921 MEMORY LN, WATERLOO, IA 50702-4848 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 30, 2014 · Amount on Record |
| Deed Sale | Jun 30, 2014 · Amount on Record |
| Deed Document Number | 201423329 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Aug 2, 2017 |
| Property Address | 3921 MEMORY LN, WATERLOO, IA 50702-4848 |
| Document Number | 201800001972 |
| Instrument Date | Jul 27, 2017 |
| Instrument | 2018-00001972 |
| Transaction Type | Transfer |
| Record Updated | Jul 8, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount from Assessment |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3921 MEMORY LN, WATERLOO, IA 50702-4848 |
| Document Number | 201800001973 |
|---|---|
| Date | Aug 2, 2017 |
| Instrument | 2018-00001973 |
| Name | UNIVERSITY OF IOWA COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | NORTH LIBERTY, IA 52317 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 1, 2032 |
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 | $3,498.00 Homeowner's exemption | $169,540 (+7.21%) Land $9,860 Building $159,680 | $169,540 (+7.21%) Land $9,860 Building $159,680 |
| 2024 | $3,498.00 (+29.65%) | ||
| 2023 | $158,140 (+20.05%) Land $9,860 Building $148,280 | $158,140 (+20.05%) Land $9,860 Building $148,280 | |
| 2022 | $2,698.00 Homeowner's exemption | $131,730 Land $9,860 Building $121,870 | |
| 2021 | $131,730 Land $9,860 Building $121,870 |
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 | Not rated no burnable land within 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 321 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Waterloo Fiber Fiber | 10,000 / 10,000 |
| Mediacom Xtream Cable · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
May also be available: Metronet.
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