4130 Harbin Dr, Waterloo, IA 50701 Property Records

Black Hawk County property record for 4130 Harbin Dr, Waterloo, IA 50701

Property Summary

Property Type	Condominium
Details	3 bd · 4 ba · 1,332 sqft · built 2008
Lot Size	0.208 acres (9,047 sqft)
Owner	2 Trust Names on File
Last Sale	$262,000 (Aug 2023)
Tax Bill	$4,770 (2025)
Deeds & Mortgages	Mar 2023 Transfer Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8813-08-151-087`

Property Details

APN / Parcel Number

Primary APN	`8813-08-151-087`
Alternative APN	`881308151083`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,332 sqft Living Area
1st Floor Area	1,332 sqft
Basement Area	1,332 sqft
Finished Basement	1,005 sqft
Unfinished Basement	1,332 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Condo/Apartment
Exterior Material	Other
Roof Type	Hip
Roof Material	Asphalt
Lot Area	9,047 sqft (0.208 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	204 sqft
Deck Area	140 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	4130 HARBIN DR
City	WATERLOO
State	IA
Zip	50701-9745
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	DYBALL CONDOMINIUM NO 1 UNIT 4130
Legal Range	13W
Legal Township	88N
Legal Section	08
Legal Subdivision	DYBALL CONDOMINIUM NO 1
Legal Lot Number	4130
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1020
Census Tract	3001

Owner

4130 Harbin Dr, a condominium, is owner-occupied and held in a trust since August 2023.

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 Trust Names on File
Mailing Address	4130 HARBIN DR, WATERLOO, IA 50701-9745
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2023	Intrafamily Transfer, Transfer
Aug 4, 2022	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 4, 2023 · Amount on File
Deed Sale	Aug 4, 2023 · Amount on File
Prior Sale	Aug 4, 2022 · Amount on File
Deed Document Number	20232019
Prior Transfer Date	Feb 28, 2023
Prior Transfer Doc	0000011913
Record Updated	Oct 29, 2026

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BLACK HAWK IA
Recording Date	Mar 1, 2023
Property Address	4130 HARBIN DR, WATERLOO, IA 50701-9745
Document Number	202300011913
Map Reference	DOC 2009-03134
Instrument Date	Feb 28, 2023
Instrument	202300011913
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4130 HARBIN DR, WATERLOO, IA 50701-9745

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Aug 4, 2022
Property Address	4130 HARBIN DR, WATERLOO, IA 50701-9745
Document Number	202300002019
Map Reference	DOC 2009-03134
Instrument Date	Aug 1, 2022
Instrument	202300002019
Transaction Type	Transfer
Record Updated	Mar 21, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$418.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4130 HARBIN DR # 4130, 4130, WATERLOO, IA 50701-9745

Mortgage

Document Number	202300002020
Date	Aug 4, 2022
Instrument	202300002020

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 5, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Type Change Date	Aug 5, 2029
Change Frequency	Annually
Min Rate At Change	4.87%
Max Rate At Change	7.37%
Index	1-Year CMT
Max Rate	11.3%

Tax Assessment & Valuation

The 2025 property tax bill for 4130 Harbin Dr was $4,770 with a homeowner's exemption, down 5.7% 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	$4,770.00 (-5.66%) Homeowner's exemption	$259,220 Land $27,140 Building $232,080	$259,220 Land $27,140 Building $232,080
2024	$5,056.00
2023		$256,960 (+25.04%) Land $24,880 Building $232,080	$256,960 Land $24,880 Building $232,080
2022	$4,244.00 Homeowner's exemption	$205,510 Land $24,880 Building $180,630
2021			$205,510 Land $24,880 Building $180,630

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

Flood

FEMA maps place 4130 Harbin Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1985.

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 File median of 21 individual policies
Nearby Flood Policies	37 units insured incl. 16 condo units
Nearby Flood Claims	2 (1985–2020)
Most Recent Claim	Jun 2020 · 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 4130 Harbin Dr 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 98% of the US · lower than 82% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 163 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: Nextlink.

Cell Coverage

5G (outdoors only) and 4G LTE

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