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4304 Charm Dr, Waterloo, IA 50701 Property Records

Black Hawk County property record for 4304 Charm Dr, Waterloo, IA 50701

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,655 sqft · built 1998
Lot Size0.227 acres (9,900 sqft)
Owner2 Individual Names on Record
Last Sale$264,900 (Jun 2021)
Tax Bill$5,462 (2025)
Deeds & MortgagesJun 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN8813-07-302-015

Property Details

APN / Parcel Number

Primary APN8813-07-302-015

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms6 Rooms
Stories2 Stories
Building Area1,655 sqft Living Area
1st Floor Area504 sqft
Basement Area959 sqft
Unfinished Basement959 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1998
Effective Year BuiltEffective 1998
Exterior MaterialVinyl
Construction TypeFrame
Roof TypeGable
Roof MaterialAsphalt
Lot Area9,900 sqft (0.227 acres)
Lot Dimensions132 ft deep x 75 ft wide
Garage TypeAttached
Garage Area720 sqft
Parking Spaces3 Parking Spaces
PorchSlab
Porch Area96 sqft
Patio Area288 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC

Location & Zoning

Street Address4304 CHARM DR
CityWATERLOO
StateIA
Zip50701-9705
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSOUTHLAND PARK THIRD ADDITION LOT 63
Legal Range13W
Legal Township88N
Legal Section07
Legal SubdivisionSOUTHLAND PARK THIRD ADDITION
Legal Lot Number63
JurisdictionBLACK HAWK IA
Township / Civil DivisionWATERLOO
Census Block Group1
Census Block1039
Census Tract3001

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on Record
Mailing Address4304 CHARM DR, WATERLOO, IA 50701-9705
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 17, 2021 · Amount on Record
Deed SaleJun 17, 2021 · Amount on Record
Prior SaleMay 9, 2013 · Amount on Record
Deed Document Number202126767
Record UpdatedOct 29, 2026

June 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBLACK HAWK IA
Recording DateJun 17, 2021
Property Address4304 CHARM DR, WATERLOO, IA 50701-9705
Document Number202100026767
Instrument DateJun 15, 2021
Instrument202100026767
Transaction TypeTransfer
Record UpdatedOct 17, 2025
Title CompanyTITLE SERVICES CORPORATION

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$423.20
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address4304 CHARM DR, WATERLOO, IA 50701-9705

Mortgage

Document Number202100026768
DateJun 17, 2021
Instrument202100026768
Lender
NameVERIDIAN CU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 1, 2051

Tax Assessment & Valuation

Source: Black Hawk County assessment roll, as of October 17, 2025

Property Jurisdictions

TypeName
StateIowa
CountyBlack Hawk County
MunicipalityWaterloo City
Unified School DistrictWaterloo Community School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,462.00 (+9.63%) Homeowner's exemption$278,540 (+16.11%) Land $33,080 Building $245,460$278,540 (+16.11%) Land $33,080 Building $245,460
2024$4,982.00 (+2.47%)
2023$239,900 (+8.37%) Land $33,080 Building $206,820$239,900 (+8.37%) Land $33,080 Building $206,820
2022$4,862.00$221,380 Land $33,080 Building $188,300
2021$221,380 Land $33,080 Building $188,300

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 21 individual policies
Nearby Flood Policies37 units insured
incl. 16 condo units
Nearby Flood Claims2 (1985–2020)
Most Recent ClaimJun 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

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

Wildfire RiskLow
lower than 94% of the US · lower than 65% of Iowa
Wildfire Likelihood0.03% annual chance
ExposureDirect
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 SystemWATERLOO WATER WORKS
serves 69,504 people · EPA ID IA0790074
Water SourceGroundwater
Last State InspectionNov 2023
Lead2 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 118 locations within half a mile, as of December 31, 2025

ProviderMax 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.

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