4250 Harbin Dr, Waterloo, IA 50701 Property Records

Black Hawk County property record for 4250 Harbin Dr, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,512 sqft · built 1978
Lot Size	0.343 acres (14,962 sqft)
Owner	2 Individual Names on File
Last Sale	$234,000 (Sep 2021)
Tax Bill	$5,096 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8813-08-151-008`

Property Details

APN / Parcel Number

Primary APN	`8813-08-151-008`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,512 sqft Living Area
1st Floor Area	1,512 sqft
Basement Area	756 sqft
Finished Basement	575 sqft
Unfinished Basement	756 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,962 sqft (0.343 acres)
Lot Dimensions	105 ft deep x 130 ft wide
Garage Type	Mixed
Garage Area	1,376 sqft
Parking Spaces	5 Parking Spaces
Deck Area	240 sqft
Patio Area	480 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	4250 HARBIN DR
City	WATERLOO
State	IA
Zip	50701-9785
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AUDUBON PARK FIRST ADDITION LOT 25
Legal Range	13W
Legal Township	88N
Legal Section	08
Legal Subdivision	AUDUBON PARK FIRST ADDITION
Legal Lot Number	25
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1020
Census Tract	3001

Owner

4250 Harbin Dr is owned and occupied by two individuals who bought it in September 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	4250 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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 8, 2021 · Amount on File
Deed Sale	Sep 8, 2021 · Amount on File
Prior Sale	Sep 8, 2020 · Amount on File
Deed Document Number	20215070
Record Updated	Oct 29, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 8, 2020
Property Address	4250 HARBIN DR, WATERLOO, IA 50701-9785
Document Number	202100005070
Instrument Date	Sep 4, 2020
Instrument	202100005070
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$773.60
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	4250 HARBIN DR, WATERLOO, IA 50701-9785

Mortgage

Document Number	202100005071
Date	Sep 8, 2020
Instrument	202100005071

Lender

Name	FARMERS STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 4250 Harbin Dr was $5,096 with a homeowner's exemption, down 8.7% 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	$5,096.00 (-8.67%) Homeowner's exemption	$260,580 Land $44,980 Building $215,600	$260,580 Land $44,980 Building $215,600
2024	$5,580.00
2023		$267,480 (+30.33%) Land $44,980 Building $222,500	$267,480 Land $44,980 Building $222,500
2022	$4,312.00 Homeowner's exemption	$205,240 Land $44,980 Building $160,260
2021			$205,240 Land $44,980 Building $160,260

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

Flood

FEMA maps place 4250 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 4250 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 99.1% of the US · lower than 91% of Iowa
Wildfire Likelihood	Under 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 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

Nearby Properties on Harbin Dr

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