3929 Memory Ln, Waterloo, IA 50702 Property Records

Black Hawk County property record for 3929 Memory Ln, Waterloo, IA 50702 · Last verified June 2026

Property Summary

Property Type	Condominium
Details	2 bd · 4 ba · 1,474 sqft · built 2005
Lot Size	0.151 acres (6,575 sqft)
Owner	Individual Name on File
Last Sale	$164,000 (Mar 2025)
Tax Bill	$4,362 (2025)
Deeds & Mortgages	Jan 2018 Mortgage Mar 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8812-18-328-006`

Property Details

APN / Parcel Number

Primary APN	`8812-18-328-006`

Interior

Bedrooms	2 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,474 sqft Living Area
1st Floor Area	704 sqft
Basement Area	704 sqft
Finished Basement	410 sqft
Game Room	Game Room
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	6,575 sqft (0.151 acres)
Deck Area	96 sqft
Patio Area	372 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3929 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 3903
Legal Range	12W
Legal Township	88N
Legal Section	18
Legal Subdivision	CEDAR HILLS LAKESIDE ONE CONDO
Legal Lot Number	3903
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	3
Census Block	3003
Census Tract	3001

Owner

Source: Black Hawk County records · APN 8812-18-328-006

Assessment roll updated October 17, 2025 · Last verified June 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 File
Mailing Address	3929 MEMORY LN, WATERLOO, IA 50702-4848
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2018	Deed of Trust, Mortgage · ARM UNIVERSITY OF IOWA CREDIT UNION
Mar 07, 2025	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU
May 24, 2017	Sheriff's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 07, 2025 · Amount on Record
Deed Sale	Mar 07, 2025 · Amount on Record
Prior Sale	May 24, 2017
Deed Document Number	20253041
Record Updated	Sep 20, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	3929 MEMORY LN, WATERLOO, IA 50702-4848
Transaction Type	Mortgage
Record Updated	Oct 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800012645
Date	Jan 30, 2018
Instrument	201800012645

Lender

Name	UNIVERSITY OF IOWA CREDIT UNION

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.38%
Type Change Date	Feb 05, 2023
Index	1-Year CMT

March 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Mar 07, 2025
Property Address	3929 MEMORY LN, WATERLOO, IA 50702-4848
Document Number	0202503041
Instrument Date	Feb 20, 2025
Instrument	2025-03041
Transaction Type	Transfer
Record Updated	Oct 21, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$261.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3929 MEMORY LN, WATERLOO, IA 50702-4848

Mortgage

Document Number	0202503042
Date	Mar 07, 2025
Instrument	2025-03042

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 01, 2055

May 2017: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 24, 2017
Property Address	3929 MEMORY LN, WATERLOO, IA 50702-4848
Document Number	201700020443
Instrument Date	May 17, 2017
Instrument	2017-00020443
Transaction Type	Foreclosure
Record Updated	Feb 10, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Lis Pendens

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 248, WELLSBURG, IA 50680-0248

Tax Assessment & Valuation

Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified June 2026

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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,362.00	$164,000 (-18.44%) Land $9,860 Building $154,140	$164,000 (-18.44%) Land $9,860 Building $154,140
2024	$4,362.00 (+23.71%)
2023		$201,080 (+25.21%) Land $9,860 Building $191,220	$201,080 (+25.21%) Land $9,860 Building $191,220
2022	$3,526.00	$160,590 Land $9,860 Building $150,730
2021			$160,590 Land $9,860 Building $150,730

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Black Hawk County (19013C), updated September 27, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 321 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Waterloo Telecommunications Utility	Fiber	10,000 / 10,000
Mediacom Communications	Cable	1,000 / 50
Verizon	Fixed Wireless	300 / 20
LTD Broadband	Fixed Wireless (licensed-by-rule)	150 / 130

May also be available at this address: Mediacom Communications, Metronet Holdings. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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