Black Hawk County property record for 3923 Memory Ln, Waterloo, IA 50702
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 1 ba · 864 sqft · built 1981 |
| Lot Size | 0.116 acres (5,064 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,256 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 8812-18-328-016 |
| Primary APN | 8812-18-328-016 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 864 sqft Living Area |
| 1st Floor Area | 864 sqft |
| Basement Area | 864 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 | 5,064 sqft (0.116 acres) |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 3923 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 3923 |
| Legal Range | 12W |
| Legal Township | 88N |
| Legal Section | 18 |
| Legal Subdivision | CEDAR HILLS LAKESIDE ONE CONDO |
| Legal Lot Number | 3923 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 3001 |
3923 Memory Ln, a condominium, is owned and occupied by an individual.
Source: Black Hawk County records, as of September 1, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3923 MEMORY LN, WATERLOO, IA 50702-4848 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 3923 MEMORY LN, WATERLOO, IA 50702-4848 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3923 MEMORY LN, WASHBURN, IA 50702-4848 |
| Document Number | 202100006236 |
|---|---|
| Date | Sep 22, 2020 |
| Instrument | 202100006236 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | WATERLOO, IA 50701 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Oct 1, 2035 |
The 2025 property tax bill for 3923 Memory Ln was $2,256 with a homeowner's exemption, down 7.6% from the year before.
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 | $2,256.00 (-7.62%) Homeowner's exemption | $121,480 Land $7,600 Building $113,880 | $121,480 Land $7,600 Building $113,880 |
| 2024 | $2,442.00 | ||
| 2023 | $113,340 (+21.41%) Land $7,600 Building $105,740 | $113,340 Land $7,600 Building $105,740 | |
| 2022 | $1,856.00 Homeowner's exemption | $93,350 Land $7,600 Building $85,750 | |
| 2021 | $93,350 Land $7,600 Building $85,750 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3923 Memory Ln in Zone X, an area of minimal flood risk.
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.
The area around 3923 Memory Ln has no burnable land within ember reach, so its wildfire risk is not rated.
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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