4340 Charm Dr, Waterloo, IA 50701 Property Records

Black Hawk County property record for 4340 Charm Dr, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,656 sqft · built 2001
Lot Size	0.207 acres (9,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,000 (Nov 2022)
Tax Bill	$5,700 (2025)
Deeds & Mortgages	May 2019 Mortgage Nov 2021 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`8813-07-302-013`

Property Details

APN / Parcel Number

Primary APN	`8813-07-302-013`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	3 Half Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,656 sqft Living Area
1st Floor Area	820 sqft
Basement Area	820 sqft
Finished Basement	650 sqft
Unfinished Basement	820 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,000 sqft (0.207 acres)
Lot Dimensions	120 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	150 sqft
Deck Area	110 sqft
Patio Area	78 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	4340 CHARM DR
City	WATERLOO
State	IA
Zip	50701-9705
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUTHLAND PARK THIRD ADDITION LOT 65
Legal Range	13W
Legal Township	88N
Legal Section	07
Legal Subdivision	SOUTHLAND PARK THIRD ADDITION
Legal Lot Number	65
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1039
Census Tract	3001

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	2 Individual Names on Record
Mailing Address	4340 CHARM DR, WATERLOO, IA 50701-9705
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 23, 2019	Deed of Trust, Mortgage · Stand-Alone First Mortgage UNIVERSITY OF IOWA CREDIT UNION
Nov 29, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage GREENSTATE CU
Apr 4, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance PINNACLE BANK
May 23, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage UNIVERSITY OF IOWA CREDIT UNION
Apr 2, 2019	Sheriff's Deed, Foreclosure · Stand-Alone Refinance PINNACLE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 29, 2022 · Amount on Record
Deed Sale	Nov 29, 2022 · Amount on Record
Prior Sale	May 23, 2019 · Amount on Record
Deed Document Number	202211323
Prior Transfer Date	Nov 10, 2021
Prior Transfer Doc	0000011323
Record Updated	Oct 29, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	4340 CHARM DR, WATERLOO, IA 50701-9705
Transaction Type	Mortgage
Record Updated	Oct 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900017491
Date	May 23, 2019
Instrument	201900017491

Lender

Name	UNIVERSITY OF IOWA CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2034

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 29, 2021
Property Address	4340 CHARM DR, WATERLOO, IA 50701-9705
Document Number	202200011323
Instrument Date	Nov 10, 2021
Instrument	202200011323
Transaction Type	Transfer
Record Updated	Oct 17, 2025

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
Relationship	Joint Tenants with Right of Survivorship
Address	4340 CHARM DR, WATERLOO, IA 50701-9705

Mortgage

Document Number	202200011329
Date	Nov 29, 2021
Instrument	202200011329

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	Dec 1, 2031
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	5.12%
Index	1-Year CMT
Max Rate	9.12%

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	4340 CHARM DR, WATERLOO, IA 50701-9705
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900014774
Date	Apr 4, 2019
Instrument	201900014774

Lender

Name	PINNACLE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 23, 2019
Property Address	4340 CHARM DR, WATERLOO, IA 50701-9705
Document Number	201900017489
Instrument Date	May 14, 2019
Instrument	201900017489
Transaction Type	Transfer
Record Updated	Oct 17, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4340 CHARM DR, WATERLOO, IA 50701-9705

Mortgage

Document Number	201900017490
Date	May 23, 2019
Instrument	201900017490

Lender

Name	UNIVERSITY OF IOWA CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

April 2019: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 2, 2019
Property Address	4340 CHARM DR, WATERLOO, IA 50701-9705
Document Number	201900014601
Instrument Date	Mar 20, 2019
Instrument	201900014601
Transaction Type	Foreclosure
Record Updated	Oct 17, 2025

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6 FOSTER DR, DES MOINES, IA 50312-2563

Mortgage

Document Number	201900014774
Date	Apr 4, 2019
Instrument	201900014774

Lender

Name	PINNACLE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

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	$5,700.00 (+9.78%) Homeowner's exemption	$290,180 (+16.29%) Land $32,060 Building $258,120	$290,180 (+16.29%) Land $32,060 Building $258,120
2024	$5,192.00 (+6.88%)
2023		$249,530 (+8.47%) Land $32,060 Building $217,470	$249,530 (+8.47%) Land $32,060 Building $217,470
2022	$4,858.00 Homeowner's exemption	$230,040 Land $32,060 Building $197,980
2021			$230,040 Land $32,060 Building $197,980

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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	0.03% 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 118 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.

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