4138 Aspen Ct, Waterloo, IA 50701 Property Records

Black Hawk County property record for 4138 Aspen Ct, Waterloo, IA 50701

Property Summary

Property Type	Condominium
Details	3 bd · 1.5 ba · 1,408 sqft · built 1981
Lot Size	0.096 acres (4,194 sqft)
Owner	Individual Name on File
Last Sale	$140,000 (May 2024)
Tax Bill	$2,506 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`8913-29-251-007`

Property Details

APN / Parcel Number

Primary APN	`8913-29-251-007`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,408 sqft Living Area
1st Floor Area	660 sqft
Basement Area	660 sqft
Finished Basement	260 sqft
Unfinished Basement	660 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Condo/Apartment
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,194 sqft (0.096 acres)
Garage Type	Detached
Garage Area	264 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	4138 ASPEN CT
City	WATERLOO
State	IA
Zip	50701-3557
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	PEPPER RIDGE CONDOMINIUM I UNIT 4138
Legal Range	13W
Legal Township	89N
Legal Section	29
Legal Subdivision	PEPPER RIDGE CONDOMINIUM I
Legal Tract	D
Legal Lot Number	4138
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1027
Census Tract	1502

Owner

4138 Aspen Ct, a condominium, is owned and occupied by an individual who bought it in May 2024.

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

Owner of Record	Individual Name on File
Mailing Address	4138 ASPEN CT, WATERLOO, IA 50701-3557
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 8, 2024 · Amount on File
Deed Sale	May 8, 2024 · Amount on File
Prior Sale	Nov 5, 2014 · Amount on File
Deed Document Number	202413971
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	4138 ASPEN CT, WATERLOO, IA 50701-3557
Transaction Type	Mortgage
Record Updated	Dec 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	MILLER, WATERLOO, IA 50701

Mortgage

Document Number	202400006728
Date	Nov 21, 2023
Instrument	202400006728

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 4138 Aspen Ct was $2,506, down 9.8% 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	Cedar Falls Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,506.00 (-9.79%)	$133,670 Land $9,440 Building $124,230	$133,670 Land $9,440 Building $124,230
2024	$2,778.00
2023		$128,020 (+3.06%) Land $9,440 Building $118,580	$128,020 Land $9,440 Building $118,580
2022	$2,534.00 Homeowner's exemption	$124,220 Land $6,290 Building $117,930
2021			$124,220 Land $6,290 Building $117,930

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

Flood

FEMA maps place 4138 Aspen Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2014.

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	1 in force
Nearby Flood Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2014 · 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 4138 Aspen Ct is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 65% of Iowa
Wildfire Likelihood	0.02% 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 298 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
CenturyLink DSL · Fiber in parts of the area	140 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Cedar Falls Utilities, Nextlink.

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