409 Normandy St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 409 Normandy St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,230 sqft · built 1940
Lot Size	0.193 acres (8,400 sqft)
Owner	Individual Name on Record
Last Sale	$55,000 (Jan 2007)
Tax Bill	$1,430 (2025)
Deeds & Mortgages	Jan 2007 Line of Credit Jan 2007 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`8913-15-201-012`

Property Details

APN / Parcel Number

Primary APN	`8913-15-201-012`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,230 sqft Living Area
1st Floor Area	1,230 sqft
Basement Area	615 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,400 sqft (0.193 acres)
Lot Dimensions	140 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Patio Area	66 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	409 NORMANDY ST
City	WATERLOO
State	IA
Zip	50703-1635
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BRINKER THOMAS & MC CLELLAN ADDITION LOT 6 BLK 4
Legal Range	13W
Legal Township	89N
Legal Section	15
Legal Subdivision	BRINKER THOMAS & MC CLELLAN
Legal Block	4
Legal Lot Number	6
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2009
Census Tract	1600

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	409 NORMANDY ST, WATERLOO, IA 50703-1635
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2007	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Jan 16, 2007	Legal Action/Court Order, Foreclosure · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 16, 2007 · Amount on Record
Deed Sale	Jan 16, 2007 · Amount on Record
Deed Document Number	200715608
Record Updated	Oct 29, 2026

January 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	409 NORMANDY ST, WATERLOO, IA 50703-1635
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2007015968
Date	Jan 22, 2007
Instrument	2007015968

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 21, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2007: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	BLACK HAWK IA
Recording Date	Jan 16, 2007
Property Address	409 NORMANDY ST, WATERLOO, IA 50703-1635
Document Number	2007015608
Instrument Date	Jan 15, 2007
Instrument	2007015608
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$87.20
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 NORMANDY ST, WATERLOO, IA 50703-1635

Mortgage

Document Number	2007015609
Date	Jan 16, 2007
Instrument	2007015609

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2022

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	$1,430.00 (+4.23%) Homeowner's exemption	$104,580 (+9.38%) Land $12,000 Building $92,580	$104,580 (+9.38%) Land $12,000 Building $92,580
2024	$1,372.00 (+4.57%)
2023		$95,610 (+32.77%) Land $12,000 Building $83,610	$95,610 (+32.77%) Land $12,000 Building $83,610
2022	$1,312.00 Homeowner's exemption	$72,010 Land $12,000 Building $60,010
2021			$72,010 Land $12,000 Building $60,010

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
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (1978–1980)
Most Recent Claim	Jun 1980 · 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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 91% 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 171 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

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