4125 Mockingbird Ln, Waterloo, IA 50702 Property Records

Black Hawk County property record for 4125 Mockingbird Ln, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,169 sqft · built 2015
Lot Size	0.189 acres (8,217 sqft)
Owner	2 Individual Names on File
Last Sale	$208,000 (Sep 2015)
Tax Bill	$5,042 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8813-11-128-042`

Property Details

APN / Parcel Number

Primary APN	`8813-11-128-042`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,169 sqft Living Area
1st Floor Area	1,169 sqft
Basement Area	1,169 sqft
Finished Basement	450 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,217 sqft (0.189 acres)
Lot Dimensions	173 ft deep x 48 ft wide
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	30 sqft
Deck Area	120 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	4125 MOCKINGBIRD LN
City	WATERLOO
State	IA
Zip	50702-6109
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CROSSROADS ESTATES REPLAT NO 1 LOT 46
Legal Range	13W
Legal Township	88N
Legal Section	11
Legal Subdivision	CROSSROADS ESTATES REPLAT NO 1
Legal Lot Number	46
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2076
Census Tract	900

Owner

4125 Mockingbird Ln is owned and occupied by two individuals who bought it in September 2015.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	4125 MOCKINGBIRD LN, WATERLOO, IA 50702-6109
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2026	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CREDIT UNION
Oct 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 2015 · Amount on File
Deed Sale	Sep 23, 2015 · Amount on File
Deed Document Number	20152016-00005654
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 13, 2026
Property Address	4125 MOCKINGBIRD LN, WATERLOO, IA 50702-6109
Document Number	0000005001
Instrument Date	Apr 7, 2026
Instrument	20265001
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4125 MOCKINGBIRD LN, WATERLOO, IA 50702-6109

Mortgage

Document Number	0000005001,
Date	Apr 13, 2026
Instrument	20265001

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Apr 25, 2036

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	4125 MOCKINGBIRD LN, WATERLOO, IA 50702-6109
Transaction Type	Mortgage
Record Updated	Nov 22, 2022
Title Company	TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4125 MOCKINGBIRD LN, WATERLOO, IA 50702-6109

Mortgage

Document Number	202100009117
Date	Oct 27, 2020
Instrument	202100009117

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 4125 Mockingbird Ln was $5,042 with a homeowner's exemption, up 4.4% 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	Waterloo Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,042.00 (+4.39%) Homeowner's exemption	$266,930 Land $35,700 Building $231,230	$266,930 Land $35,700 Building $231,230
2024	$4,830.00
2023		$241,300 (+16.93%) Land $35,700 Building $205,600	$241,300 Land $35,700 Building $205,600
2022	$4,264.00 Homeowner's exemption	$206,370 Land $35,700 Building $170,670
2021			$206,370 Land $35,700 Building $170,670

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

Flood

FEMA maps place 4125 Mockingbird Ln in Zone X, an area of minimal flood risk.

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	7 in force

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 4125 Mockingbird Ln is low, with less than 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 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 157 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 · Fiber in parts of the area	1,000 / 50
GigFire Fixed Wireless	150 / 130

May also be available: Verizon.

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