3927 Memory Ln, Waterloo, IA 50702 Property Records

Black Hawk County property record for 3927 Memory Ln, Waterloo, IA 50702

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 864 sqft · built 2005
Lot Size	0.116 acres (5,064 sqft)
Owner	Individual Name on Record
Last Sale	$152,500 (Jul 2025)
Tax Bill	$3,152 (2025)
Deeds & Mortgages	Aug 2026 Transfer Jul 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8812-18-328-005`

Property Details

APN / Parcel Number

Primary APN	`8812-18-328-005`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	864 sqft Living Area
1st Floor Area	864 sqft
Basement Area	864 sqft
Finished Basement	630 sqft
Unfinished Basement	864 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Condo/Apartment
Exterior Material	Other
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,064 sqft (0.116 acres)
Deck Area	260 sqft
Patio Area	148 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3927 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 3901
Legal Range	12W
Legal Township	88N
Legal Section	18
Legal Subdivision	CEDAR HILLS LAKESIDE ONE CONDO
Legal Tract	R
Legal Lot Number	3901
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	3
Census Block	3003
Census Tract	3001

Owner

Source: Black Hawk County records, as of August 20, 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	3927 MEMORY LN, WATERLOO, IA 50702-4848
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Jul 28, 2025	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Mar 25, 2024	Deed of Trust, Mortgage · Reverse Mortgage CEDAR FALLS COMMUNITY CU
Dec 23, 2020	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage GREENSTATE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 28, 2025 · Amount on Record
Deed Sale	Jul 28, 2025 · Amount on Record
Prior Sale	Dec 23, 2020 · Amount on Record
Deed Document Number	202510733
Last Transfer Date	Jul 30, 2026
Transfer Doc	0000012232
Record Updated	Sep 20, 2026

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Aug 14, 2026
Property Address	3927 MEMORY LN, WATERLOO, IA 50702-4848
Document Number	0000012232
Instrument Date	Jul 30, 2026
Instrument	202612232
Transaction Type	Transfer
Record Updated	Aug 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3927 MEMORY LN, WATERLOO, IA 50702-4848

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jul 28, 2025
Property Address	3927 MEMORY LN, WATERLOO, IA 50702-4848
Document Number	0202510733
Instrument Date	Jul 22, 2025
Instrument	2025-10733
Transaction Type	Transfer
Record Updated	Oct 17, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$243.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3927 MEMORY LN, WATERLOO, IA 50702-4848

Mortgage

Document Number	0202510735
Date	Jul 28, 2025
Instrument	2025-10735

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2035
Change Frequency	Annually
Min Rate At Change	4.37%
Max Rate At Change	8.37%
Index	1-Year CMT
Max Rate	12.3%

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	3927 MEMORY LN, WATERLOO, IA 50702-4848
Transaction Type	Mortgage
Record Updated	Apr 11, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3927 MEMORY LN, WATERLOO, IA 50702-4848

Mortgage

Document Number	202400011641
Date	Mar 25, 2024
Instrument	202400011641

Lender

Name	CEDAR FALLS COMMUNITY CU
Type	Credit Union
Address	123 W 4TH ST, CEDAR FALLS, IA 50613

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Mar 20, 2034

December 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Dec 23, 2020
Property Address	3927 MEMORY LN, WATERLOO, IA 50702-4848
Document Number	202100013308
Instrument Date	Dec 11, 2020
Instrument	202100013308
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$199.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3927 MEMORY LN, WATERLOO, IA 50702-4848

Mortgage

Document Number	202100013309
Date	Dec 23, 2020
Instrument	202100013309

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 5, 2051

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	Waterloo Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,152.00 Homeowner's exemption	$158,190 (+1.74%) Land $7,600 Building $150,590	$158,190 (+1.74%) Land $7,600 Building $150,590
2024	$3,152.00 (+25.18%)
2023		$155,490 (+25.86%) Land $7,600 Building $147,890	$155,490 (+25.86%) Land $7,600 Building $147,890
2022	$2,518.00 Homeowner's exemption	$123,540 Land $7,600 Building $115,940
2021			$123,540 Land $7,600 Building $115,940

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

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.

Wildfire

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.

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 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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