4230 Harbin Dr, Waterloo, IA 50701 Property Records

Black Hawk County property record for 4230 Harbin Dr, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 2,754 sqft · built 1998
Lot Size	0.432 acres (18,810 sqft)
Owner	2 Individual Names on File
Last Sale	$386,500 (Oct 2020)
Tax Bill	$7,728 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Jul 2017 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`8813-08-151-044`

Property Details

APN / Parcel Number

Primary APN	`8813-08-151-044`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	6 Half Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,754 sqft Living Area
1st Floor Area	1,699 sqft
Attic	Attic
Attic Area	935 sqft
Basement Area	1,699 sqft
Finished Basement	1,100 sqft
Unfinished Basement	1,699 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,810 sqft (0.432 acres)
Lot Dimensions	171 ft deep x 110 ft wide
Garage Type	Attached
Garage Area	912 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	45 sqft
Deck Area	231 sqft
Patio Area	368 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	4230 HARBIN DR
City	WATERLOO
State	IA
Zip	50701-9785
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AUDUBON PARK FIFTH ADDITION LOT 11
Legal Range	13W
Legal Township	88N
Legal Section	08
Legal Subdivision	AUDUBON PARK FIFTH ADDITION
Legal Lot Number	11
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1020
Census Tract	3001

Owner

4230 Harbin Dr is owned and occupied by two individuals who bought it in October 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	4230 HARBIN DR, WATERLOO, IA 50701-9785
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
Nov 9, 2022	Deed of Trust, Mortgage · Line of Credit GREENSTATE CU
Jul 21, 2017	Deed of Trust, Mortgage · Conventional Mortgage UNIVERSITY OF IOWA COMMUNITY CU
Oct 13, 2020	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU
Oct 13, 2020	Intrafamily Transfer, Transfer
Jul 21, 2017	Warranty Deed, Transfer · ARM UNIVERSITY OF IOWA COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 13, 2020 · Amount on File
Deed Sale	Oct 13, 2020 · Amount on File
Deed Document Number	20202100007858
Prior Transfer Date	Sep 11, 2020
Prior Transfer Doc	0000007857
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	4230 HARBIN DR, WATERLOO, IA 50701-9785
Transaction Type	Mortgage
Record Updated	Nov 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4230 HARBIN DR, WATERLOO, IA 50701-9785

Mortgage

Document Number	202300007505
Date	Nov 9, 2022
Instrument	202300007505

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Nov 8, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	4230 HARBIN DR, WATERLOO, IA 50701-9785
Transaction Type	Mortgage
Record Updated	Mar 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800001168
Date	Jul 21, 2017
Instrument	2018-00001168

Lender

Name	UNIVERSITY OF IOWA COMMUNITY CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jul 5, 2027

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 13, 2020
Property Address	4230 HARBIN DR, WATERLOO, IA 50701-9785
Document Number	202100007858
Instrument Date	Sep 12, 2020
Instrument	202100007858
Transaction Type	Transfer
Record Updated	Jun 25, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$617.60
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	4230 HARBIN DR, WATERLOO, IA 50701-9785

Mortgage

Document Number	202100007859
Date	Oct 13, 2020
Instrument	202100007859

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 5, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Oct 5, 2030
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	5.37%
Index	1-Year CMT
Max Rate	9.37%

Mortgage

Document Number	202100007860
Date	Oct 13, 2020
Instrument	202100007860

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	120 Months
Due	Oct 5, 2030

October 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 13, 2020
Property Address	4230 HARBIN DR, WATERLOO, IA 50701-9785
Document Number	202100007857
Instrument Date	Sep 11, 2020
Instrument	202100007857
Transaction Type	Transfer
Record Updated	Nov 17, 2022

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
Address	3429 MIDWAY DR, CEDAR FALLS, IA 50613-6056

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jul 21, 2017
Property Address	4230 HARBIN DR, WATERLOO, IA 50701-9785
Document Number	201800001166
Instrument Date	Jun 12, 2017
Instrument	2018-00001166
Transaction Type	Transfer
Record Updated	Mar 18, 2022

Transaction

Tax	$615.20
Amount Accuracy	Transfer Tax Exempt
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	4230 HARBIN DR, WATERLOO, IA 50701-9785

Mortgage

Document Number	201800001167
Date	Jul 21, 2017
Instrument	2018-00001167

Lender

Name	UNIVERSITY OF IOWA COMMUNITY CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Jul 5, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 5, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	6.25%
Index	1-Year CMT
Max Rate	10.2%

Tax Assessment & Valuation

The 2025 property tax bill for 4230 Harbin Dr was $7,728 with a homeowner's exemption, up 13% 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	$7,728.00 (+13.02%) Homeowner's exemption	$389,580 Land $49,560 Building $340,020	$389,580 Land $49,560 Building $340,020
2024	$6,838.00
2023		$325,450 (+1.3%) Land $49,560 Building $275,890	$325,450 Land $49,560 Building $275,890
2022	$6,860.00	$321,260 Land $49,560 Building $271,700
2021			$321,260 Land $49,560 Building $271,700

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

Flood

FEMA maps place 4230 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 4230 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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