4146 Mockingbird Ln, Waterloo, IA 50702 Property Records

Black Hawk County property record for 4146 Mockingbird Ln, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 992 sqft · built 2013
Lot Size	0.177 acres (7,717 sqft)
Owner	Individual Name on Record
Last Sale	$150,000 (Apr 2014)
Tax Bill	$4,784 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Sep 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8813-11-127-033`

Property Details

APN / Parcel Number

Primary APN	`8813-11-127-033`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	992 sqft Living Area
1st Floor Area	992 sqft
Basement Area	992 sqft
Finished Basement	725 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,717 sqft (0.177 acres)
Lot Dimensions	149 ft deep x 59 ft wide
Garage Type	Attached
Garage Area	442 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	96 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	4146 MOCKINGBIRD LN
City	WATERLOO
State	IA
Zip	50702-6104
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CROSSROADS ESTATES REPLAT NO 1 LOT 32
Legal Range	13W
Legal Township	88N
Legal Section	11
Legal Subdivision	CROSSROADS ESTATES REPLAT NO 1
Legal Lot Number	32
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2079
Census Tract	900

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	4146 MOCKINGBIRD LN, WATERLOO, IA 50702-6104
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2026	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Sep 21, 2021	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Jan 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 23, 2014 · Amount on Record
Deed Sale	Apr 23, 2014 · Amount on Record
Deed Document Number	201418767
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Recording Date	Aug 27, 2026
Property Address	4146 MOCKINGBIRD LN, WATERLOO, IA 50702-6104
Document Number	0000012946
Instrument Date	Aug 22, 2026
Instrument	202612946
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4146 MOCKINGBIRD LN, WATERLOO, IA 50702-6104

Mortgage

Document Number	0000012946,
Date	Aug 27, 2026
Instrument	202612946

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 1, 2046

Interest

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

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	4146 MOCKINGBIRD LN, WATERLOO, IA 50702-6104
Transaction Type	Mortgage
Record Updated	Oct 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4146 MOCKINGBIRD LN, WASHBURN, IA 50702-6104

Mortgage

Document Number	202200006256
Date	Sep 21, 2021
Instrument	202200006256

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Sep 25, 2026

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	4146 MOCKINGBIRD LN, WATERLOO, IA 50702-6104
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4146 MOCKINGBIRD LN, WATERLOO, IA 50702-6104

Mortgage

Document Number	202100014688
Date	Jan 12, 2021
Instrument	202100014688

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Feb 1, 2046

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	$4,784.00 (+3.95%) Homeowner's exemption	$245,280 (+10.1%) Land $38,650 Building $206,630	$245,280 (+10.1%) Land $38,650 Building $206,630
2024	$4,602.00 (+13.29%)
2023		$222,780 (+14.92%) Land $39,030 Building $183,750	$222,780 (+14.92%) Land $39,030 Building $183,750
2022	$4,062.00 Homeowner's exemption	$193,850 Land $39,030 Building $154,820
2021			$193,850 Land $39,030 Building $154,820

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	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

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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