4135 Mockingbird Ln, Waterloo, IA 50702 Property Records

Black Hawk County property record for 4135 Mockingbird Ln, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,391 sqft · built 2014
Lot Size	0.2 acres (8,705 sqft)
Owner	Individual Name on File
Last Sale	$287,500 (Dec 2024)
Tax Bill	$5,864 (2025)
Deeds & Mortgages	Dec 2023 Second Mortgage Dec 2023 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`8813-11-128-037`

Property Details

APN / Parcel Number

Primary APN	`8813-11-128-037`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,391 sqft Living Area
1st Floor Area	370 sqft
Basement Area	706 sqft
Finished Basement	310 sqft
Unfinished Basement	706 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,705 sqft (0.2 acres)
Lot Dimensions	110 ft deep x 66 ft wide
Garage Type	Attached
Garage Area	461 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	75 sqft
Deck Area	120 sqft
Patio Area	120 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	4135 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 41
Legal Range	13W
Legal Township	88N
Legal Section	11
Legal Subdivision	CROSSROADS ESTATES REPLAT NO 1
Legal Lot Number	41
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2076
Census Tract	900

Owner

4135 Mockingbird Ln is owned and occupied by an individual who bought it in December 2024.

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

Owner of Record	Individual Name on File
Mailing Address	4135 MOCKINGBIRD LN, WATERLOO, IA 50702-6109
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 18, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VERIDIAN CU
Dec 18, 2023	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Sep 13, 2022	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Apr 30, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance DEERE EMPLOYEES CREDIT UNION
Jun 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
Jul 13, 2022	Sheriff's Deed, Foreclosure Foreclosure Auction

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 18, 2024 · Amount on File
Deed Sale	Dec 18, 2024 · Amount on File
Prior Sale	Jul 18, 2024 · Amount on File
Deed Document Number	20247892
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	4135 MOCKINGBIRD LN, WATERLOO, IA 50702-6109
Transaction Type	Mortgage
Record Updated	Jan 8, 2024
Title Company	TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202400007894
Date	Dec 18, 2023
Instrument	202400007894

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, 2031

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Dec 18, 2023
Property Address	4135 MOCKINGBIRD LN, WATERLOO, IA 50702-6109
Document Number	202400007892
Instrument Date	Dec 12, 2023
Instrument	202400007892
Transaction Type	Transfer
Record Updated	Jan 10, 2024
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount on Record
Tax	$459.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4135 MOCKINGBIRD LN, WATERLOO, IA 50702-6109

Mortgage

Document Number	202400007893
Date	Dec 18, 2023
Instrument	202400007893

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.12%
Adjustable	Adjustable Rate Rider
Change Frequency	Annually
Min Rate At Change	5.12%
Max Rate At Change	9.12%
Index	1-Year CMT
Max Rate	13.1%

Mortgage

Document Number	202400007893
Date	Dec 18, 2023
Instrument	202400007893

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, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2029
Change Frequency	Annually
Min Rate At Change	5.12%
Max Rate At Change	9.12%
Index	1-Year CMT
Max Rate	13.1%

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 13, 2022
Property Address	4135 MOCKINGBIRD LN, WATERLOO, IA 50702-6109
Document Number	202300004327
Instrument Date	Sep 8, 2022
Instrument	202300004327
Transaction Type	Transfer
Record Updated	Sep 29, 2022
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$415.20
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4135 MOCKINGBIRD LN, WATERLOO, IA 50702-6109

Mortgage

Document Number	202300004328
Date	Sep 13, 2022
Instrument	202300004328

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Oct 1, 2029
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6.75%
Index	1-Year CMT
Max Rate	10.7%

Mortgage

Document Number	202300004329
Date	Sep 13, 2022
Instrument	202300004329

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	85 Months
Due	Oct 1, 2029

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	4135 MOCKINGBIRD LN, WATERLOO, IA 50702-6109
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900016056
Date	Apr 30, 2019
Instrument	201900016056

Lender

Name	DEERE EMPLOYEES CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	4135 MOCKINGBIRD LN, WATERLOO, IA 50702-6109
Transaction Type	Mortgage
Record Updated	Aug 9, 2022
Title Company	TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000022159
Date	Jun 16, 2020
Instrument	202000022159

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

July 2022: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jul 13, 2022
Property Address	4135 MOCKINGBIRD LN, WATERLOO, IA 50702-6109
Document Number	202300000748
Instrument Date	Jun 29, 2022
Instrument	202300000748
Transaction Type	Foreclosure
Record Updated	Aug 9, 2022

Transaction

Amount	Amount on Record
Tax	$370.40
Amount Accuracy	Full Amount Stated
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1462 SOUTH HILL DR, WATERLOO, IA 50701-4965

Tax Assessment & Valuation

The 2025 property tax bill for 4135 Mockingbird Ln was $5,864, up 4.9% 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	$5,864.00 (+4.86%)	$287,310 Land $41,440 Building $245,870	$287,310 Land $41,440 Building $245,870
2024	$5,592.00
2023		$257,810 (+14.22%) Land $41,440 Building $216,370	$257,810 Land $41,440 Building $216,370
2022	$4,958.00 Homeowner's exemption	$225,710 Land $41,440 Building $184,270
2021			$225,710 Land $41,440 Building $184,270

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

Flood

FEMA maps place 4135 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 4135 Mockingbird Ln 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 97% of the US · lower than 76% 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 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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