Black Hawk County property record for 4407 Reflection Ln, Waterloo, IA 50701 · Last verified July 2026
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 1,286 sqft · built 2000 |
| Lot Size | 0.115 acres (4,996 sqft) |
| Owner | Individual Name on File |
| Last Sale | $145,000 (Feb 2020) |
| Tax Bill | $3,548 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Feb 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 8813-11-152-048 |
| Primary APN | 8813-11-152-048 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,286 sqft Living Area |
| 1st Floor Area | 1,286 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 4,996 sqft (0.115 acres) |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 56 sqft |
| Patio Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 4407 REFLECTION LN |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50701-9355 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | GUERNSEY PARK PLACE CONDO UNIT R-4407 |
| Legal Range | 13W |
| Legal Township | 88N |
| Legal Section | 11 |
| Legal Subdivision | GUERNSEY PARK PLACE CONDO |
| Legal Block | R |
| Legal Lot Number | 4407 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 3001 |
Source: Black Hawk County records · APN 8813-11-152-048
Assessment roll updated October 17, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 4407 REFLECTION LN, WATERLOO, IA 50701-9355 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 25, 2026 | Deed of Trust, Mortgage · Conventional Mortgage NONE LISTED ON DOCUMENT |
| Feb 14, 2020 | Deed, Transfer · Stand-Alone First Mortgage LINCOLN SAVINGS BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 14, 2020 · Amount on Record |
| Deed Sale | Feb 14, 2020 · Amount on Record |
| Prior Sale | Apr 04, 2012 · Amount on Record |
| Deed Document Number | 202014206 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Jun 25, 2026 |
| Property Address | 4407 REFLECTION LN, WATERLOO, IA 50701-9355 |
| Document Number | 0000009444 |
| Instrument Date | Jun 24, 2026 |
| Instrument | 20269444 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 4407 REFLECTION LN, WATERLOO, IA 50701-9355 |
| Document Number | 0000009444, |
|---|---|
| Date | Jun 25, 2026 |
| Instrument | 20269444 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Rate | 6.53% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Feb 14, 2020 |
| Property Address | 4407 REFLECTION LN, WATERLOO, IA 50701-9355 |
| Document Number | 202000014206 |
| Instrument Date | Feb 05, 2020 |
| Instrument | 202000014206 |
| Transaction Type | Transfer |
| Record Updated | Feb 10, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4407 REFLECTION LN, WATERLOO, IA 50701-9355 |
| Document Number | 202000014207 |
|---|---|
| Date | Feb 14, 2020 |
| Instrument | 202000014207 |
| Name | LINCOLN SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Number | 202000014206 |
|---|---|
| Date | Feb 14, 2020 |
| Instrument | 202000014206 |
| Name | LINCOLN SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2050 |
Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,548.00 Homeowner's exemption | $202,690 (+8.1%) Land $34,980 Building $167,710 | $202,690 (+8.1%) Land $34,980 Building $167,710 |
| 2024 | $3,548.00 (+11.92%) | ||
| 2023 | $187,500 (+22.37%) Land $34,980 Building $152,520 | $187,500 (+22.37%) Land $34,980 Building $152,520 | |
| 2022 | $3,170.00 Homeowner's exemption | $153,220 Land $13,740 Building $139,480 | |
| 2021 | $153,220 Land $13,740 Building $139,480 |
Source: FEMA National Flood Hazard Layer, Black Hawk County (19013C), updated September 27, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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