4013 Midway Dr, Waterloo, IA 50701 Property Records

Black Hawk County property record for 4013 Midway Dr, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,040 sqft · built 1959
Lot Size	0.436 acres (19,000 sqft)
Owner	Individual Name on File
Last Sale	$215,000 (Dec 2025)
Tax Bill	$3,272 (2025)
Deeds & Mortgages	Dec 2025 Second Mortgage Dec 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-20-452-007`

Property Details

APN / Parcel Number

Primary APN	`8913-20-452-007`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,040 sqft Living Area
1st Floor Area	1,040 sqft
Basement Area	1,040 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	19,000 sqft (0.436 acres)
Lot Dimensions	200 ft deep x 90 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	156 sqft
Patio Area	280 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	4013 MIDWAY DR
City	WATERLOO
State	IA
Zip	50701-3153
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CEDARLOO PARK LOT W-71
Legal Range	13W
Legal Township	89N
Legal Section	20
Legal Subdivision	CEDARLOO PARK
Legal Lot Number	W-71
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1014
Census Tract	1502

Owner

4013 Midway Dr is owned and occupied by an individual who bought it in December 2025.

Source: Black Hawk County records, as of September 1, 2026

Owner of Record	Individual Name on File
Mailing Address	4013 MIDWAY DR, WATERLOO, IA 50701-3153
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VERIDIAN CU
Dec 29, 2025	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 29, 2025 · Amount on File
Deed Sale	Dec 29, 2025 · Amount on File
Prior Sale	Mar 24, 2025 · Amount on File
Deed Document Number	202518968
Prior Transfer Date	May 2, 2025
Prior Transfer Doc	0202505986
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	4013 MIDWAY DR, WATERLOO, IA 50701-3153
Transaction Type	Mortgage
Record Updated	Jan 9, 2026
Title Company	BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK CNTY ABSTRACT & T

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202518970
Date	Dec 29, 2025
Instrument	2025-18970

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	1827 ANSBOROUGH AVE, WATERLOO, IA 50701

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	85 Months
Due	Jan 1, 2033

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	4013 MIDWAY DR, WATERLOO, IA 50701-3153
Transaction Type	Mortgage
Record Updated	Jan 9, 2026
Title Company	BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK CNTY ABSTRACT & T

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202518969
Date	Dec 29, 2025
Instrument	2025-18969

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	1827 ANSBOROUGH AVE, WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2033
Change Frequency	Annually
Min Rate At Change	4.12%
Max Rate At Change	8.12%
Index	1-Year CMT
Max Rate	12.1%

Tax Assessment & Valuation

The 2025 property tax bill for 4013 Midway Dr was $3,272 with a homeowner's exemption, up 2% from the year before.

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	Cedar Falls Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,272.00 (+20.03%) Homeowner's exemption	$170,150 Land $31,080 Building $139,070	$170,150 Land $31,080 Building $139,070
2024	$2,726.00
2023		$155,990 (+23.51%) Land $31,080 Building $124,910	$155,990 Land $31,080 Building $124,910
2022	$2,056.00 Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption	$126,300 Land $31,080 Building $95,220
2021			$126,300 Land $31,080 Building $95,220

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

Flood

FEMA maps place 4013 Midway Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2014.

Source: FEMA National Flood Hazard Layer, effective September 27, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2014 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 4013 Midway Dr is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 68% of Iowa
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 278 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cedar Falls Utilities Fiber	10,000 / 10,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Metronet, Nextlink.

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