402 Crestridge Dr, Waterloo, IA 50702 Property Records

Black Hawk County property record for 402 Crestridge Dr, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 880 sqft · built 1964
Lot Size	0.548 acres (23,850 sqft)
Owner	Individual Name on Record
Last Sale	$142,000 (Feb 2019)
Tax Bill	$3,510 (2025)
Deeds & Mortgages	Jul 2006 Mortgage Jun 2023 Line of Credit + 10 more
Flood Zone	Zone X (minimal risk)
APN	`8812-07-178-001`

Property Details

APN / Parcel Number

Primary APN	`8812-07-178-001`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	880 sqft Living Area
1st Floor Area	880 sqft
Basement Area	880 sqft
Finished Basement	700 sqft
Unfinished Basement	880 sqft
Game Room	Game Room
Flooring	Vinyl Sheet/Linoleum
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	23,850 sqft (0.548 acres)
Lot Dimensions	180 ft deep x 120 ft wide
Garage Type	Detached
Garage Area	824 sqft
Parking Spaces	3 Parking Spaces
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	402 CRESTRIDGE DR
City	WATERLOO
State	IA
Zip	50702-4629
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CEDAR TERRACE SECOND ADDITION LOT 50
Legal Range	12W
Legal Township	88N
Legal Section	07
Legal Subdivision	CEDAR TERRACE SECOND ADDITION
Legal Lot Number	50
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1016
Census Tract	2901

Owner

Source: Black Hawk County records, as of September 1, 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	402 CRESTRIDGE DR, WATERLOO, IA 50702-4629
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2006	Deed of Trust, Mortgage VERIDIAN CU
Jun 21, 2023	Deed of Trust, Mortgage · Line of Credit GREENSTATE CU
Apr 17, 2007	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Jun 29, 2010	Deed of Trust, Mortgage · FHA Mortgage BANK OF AMERICA NA
Aug 14, 2008	Deed of Trust, Mortgage VERIDIAN CU
May 6, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage GREENSTATE CU
May 6, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage GREENSTATE CU
May 6, 2025	Intrafamily Transfer, Transfer · Conventional Mortgage GREENSTATE CU
Feb 22, 2019	Warranty Deed, Transfer · FHA Mortgage BANK IOWA
Sep 19, 2018	Sheriff's Deed, Foreclosure
Sep 19, 2018	Sheriff's Deed, Foreclosure BANK IOWA
Jul 18, 2005	Legal Action/Court Order, Foreclosure · ARM JOHN DEERE COMMUNITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 22, 2019 · Amount on Record
Deed Sale	Feb 22, 2019 · Amount on Record
Prior Sale	Sep 19, 2018 · Amount on Record
Deed Document Number	201912769
Prior Transfer Date	Mar 15, 2010
Prior Transfer Doc	2010017680
Record Updated	Oct 29, 2026

July 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	402 CRESTRIDGE DR, WATERLOO, IA 50702-4629
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	BLACK HAWK COUNTY ABSTRACT, BLACK HAWK COUNTY ABSTRACT C

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	2007002449
Date	Jul 31, 2006
Instrument	2007002449

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Amount	Amount Recorded
Term	85 Months
Due	Aug 14, 2013

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	402 CRESTRIDGE DR, WATERLOO, IA 50702-4629
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202300017148
Date	Jun 21, 2023
Instrument	202300017148

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jun 20, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	402 CRESTRIDGE DR, WATERLOO, IA 50702-4629
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	BLACK HAWK COUNTY ABSTRACT, BLACK HAWK COUNTY ABSTRACT C

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2007021902
Date	Apr 17, 2007
Instrument	2007021902

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 16, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	402 CRESTRIDGE DR, WATERLOO, IA 50702-4629
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK COUNTY ABSTRACT &

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2010024608
Date	Jun 29, 2010
Instrument	2010024608

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2040

August 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	402 CRESTRIDGE DR, WATERLOO, IA 50702-4629
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2009003601
Date	Aug 14, 2008
Instrument	2009003601

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Aug 20, 2023

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	402 CRESTRIDGE DR, WATERLOO, IA 50702-4629
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202506086
Date	May 6, 2025
Instrument	2025-06086

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	2355 LANDON RD, NORTH LIBERTY, IA 52317

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2040

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	402 CRESTRIDGE DR, WATERLOO, IA 50702-4629
Transaction Type	Mortgage
Record Updated	Oct 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202506086
Date	May 6, 2025
Instrument	2025-06086

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	2355 LANDON RD, NORTH LIBERTY, IA 52317

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2040

May 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BLACK HAWK IA
Recording Date	May 6, 2025
Property Address	402 CRESTRIDGE DR, WATERLOO, IA 50702-4629
Document Number	0202506084
Instrument Date	Apr 23, 2025
Instrument	2025-06084
Transaction Type	Transfer
Record Updated	Oct 21, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 CRESTRIDGE DR, WATERLOO, IA 50702-4629

Mortgage

Document Number	0202506085
Date	May 6, 2025
Instrument	2025-06085

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	May 1, 2050

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Feb 22, 2019
Property Address	402 CRESTRIDGE DR, WATERLOO, IA 50702-4629
Document Number	201900012769
Instrument Date	Feb 22, 2019
Instrument	201900012769
Transaction Type	Transfer
Record Updated	May 16, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 CRESTRIDGE DR, WATERLOO, IA 50702-4629

Mortgage

Document Number	201900012770
Date	Feb 22, 2019
Instrument	201900012770

Lender

Name	BANK IOWA

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

September 2018: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 19, 2018
Property Address	402 CRESTRIDGE DR, WATERLOO, IA 50702-4629
Document Number	201900004667
Instrument Date	Aug 15, 2018
Instrument	201900004667
Transaction Type	Foreclosure
Record Updated	Feb 10, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2327, WATERLOO, IA 50701

September 2018: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 19, 2018
Property Address	402 CRESTRIDGE DR, WATERLOO, IA 50702-4629
Document Number	201900004667
Instrument Date	Aug 15, 2018
Instrument	201900004667
Transaction Type	Foreclosure
Record Updated	May 16, 2025

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2327, WATERLOO, IA 50701

Mortgage

Document Number	201900005558
Date	Oct 3, 2018
Instrument	201900005558

Lender

Name	BANK IOWA
Type	Bank

Agreement

Amount	Amount Recorded

July 2005: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	BLACK HAWK IA
Recording Date	Jul 18, 2005
Property Address	402 CRESTRIDGE DR, WATERLOO, IA 50702-4629
Document Number	2006001495
Instrument Date	Jul 14, 2005
Instrument	2006001495
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$167.20
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	402 CRESTRIDGE DR, WATERLOO, IA 50702-4629
Investor	Possibly a Property Investor

Mortgage

Document Number	2006001496
Date	Jul 18, 2005
Instrument	2006001496

Lender

Name	JOHN DEERE COMMUNITY CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2035

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	Aug 1, 2012
Change Frequency	Annually
Min Rate At Change	2.87%
Max Rate At Change	6.87%
Index	1-Year T-Bill
Max Rate	10.8%

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	$3,510.00 (-5.24%) Homeowner's exemption	$182,860 (+1.05%) Land $32,920 Building $149,940	$182,860 (+1.05%) Land $32,920 Building $149,940
2024	$3,704.00 (+23.71%)
2023		$180,960 (+24.64%) Land $32,920 Building $148,040	$180,960 (+24.64%) Land $32,920 Building $148,040
2022	$2,994.00 Homeowner's exemption	$145,190 Land $32,920 Building $112,270
2021			$145,190 Land $32,920 Building $112,270

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 · 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
Flood Insurance Cost	Premium on Record median of 49 policies
Nearby Flood Policies	49 in force
Nearby Flood Claims	118 (1978–2016)
Claims Outside the SFHA	11 of 118
Most Recent Claim	Sep 2016 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2016 · 39 claims Severe Storms, Flooding, And Tornadoes, Jul 2010 · 14 claims Severe Storms, Tornadoes, And Flooding, Jun 2008 · 51 claims

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

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 98.1% of Iowa
Wildfire Likelihood	Under 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 220 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Waterloo Fiber Fiber	10,000 / 10,000
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130

May also be available: T-Mobile.

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