Black Hawk County property record for 3938 Memory Ln, Waterloo, IA 50702 · Last verified June 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,248 sqft · built 2005 |
| Lot Size | 0.599 acres (26,105 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $113,500 (Dec 2005) |
| Tax Bill | $4,008 (2025) |
| Deeds & Mortgages | Nov 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 8812-18-376-031 |
| Primary APN | 8812-18-376-031 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,248 sqft Living Area |
| 1st Floor Area | 1,248 sqft |
| Basement Area | 1,248 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 26,105 sqft (0.599 acres) |
| Lot Dimensions | 230 ft deep x 77 ft wide |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 240 sqft |
| Patio Area | 182 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 3938 MEMORY LN |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50702-4847 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CEDAR HILLS SECOND ADDITION A REPLAT OF TRACTS A & B LOT 1 |
| Legal Range | 12W |
| Legal Township | 88N |
| Legal Section | 18 |
| Legal Subdivision | CEDAR HILLS SECOND ADDITION |
| Legal Tract | A |
| Legal Lot Number | 1 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 3001 |
Source: Black Hawk County records · APN 8812-18-376-031
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 3938 MEMORY LN, WATERLOO, IA 50702-4847 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 09, 2005 · Amount on Record |
| Deed Sale | Dec 09, 2005 · Amount on Record |
| Prior Sale | Dec 09, 2005 · Amount on Record |
| Deed Document Number | 20052006014743 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 3938 MEMORY LN, WATERLOO, IA 50702-4847 |
| Transaction Type | Mortgage |
| Record Updated | Aug 09, 2022 |
| Name | Verified Name |
|---|
| Document Number | 201800009111 |
|---|---|
| Date | Nov 27, 2017 |
| Instrument | 2018-00009111 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | WATERLOO, IA 50704 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community School District (PK - 12) |
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 | $4,008.00 Homeowner's exemption | $227,440 (+16.62%) Land $32,920 Building $194,520 | $227,440 (+16.62%) Land $32,920 Building $194,520 |
| 2024 | $4,008.00 (+13.99%) | ||
| 2023 | $195,020 (+15.41%) Land $32,920 Building $162,100 | $195,020 (+15.41%) Land $32,920 Building $162,100 | |
| 2022 | $3,516.00 Homeowner's exemption | $168,980 Land $32,920 Building $136,060 | |
| 2021 | $168,980 Land $32,920 Building $136,060 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| 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.
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.
5G and 4G LTE
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