Black Hawk County property record for 4416 Reflection Ln, Waterloo, IA 50701 · Last verified June 2026
| Property Type | Residential > Condominium / Townhouse > Condominium |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 3.5 Baths |
| Year Built | Built 2000 |
| Square Footage | 1,344 sqft Living Area |
| Lot Size | 4,996 sqft (0.115 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $284,000 (2026) |
| Tax Bill | $4,950.00 (2025) |
| Primary APN | 8813-11-152-042 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,344 sqft Living Area |
| 1st Floor | 1,344 sqft 1st Floor |
| Basement Area | 1,344 sqft Basement |
| Finished Basement | 775 sqft Finished |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Condo/Apartment Style |
| Exterior Material | Vinyl Exterior |
| Construction Type | Frame Construction |
| Roof Construction | Hip Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 4,996 sqft (0.115 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 506 sqft Garage |
| Deck Area | 144 sqft Deck |
| Patio Area | 144 sqft Patio |
| Porch Area | 48 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 4416 REFLECTION LN |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50701-9354 |
| Property Usage | Residential Property Usage |
| Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | GUERNSEY PARK PLACE CONDO UNIT R-4416 |
| Legal Range | 13W |
| Legal Township | 88N |
| Legal Section | 11 |
| Legal Subdivision | GUERNSEY PARK PLACE CONDO |
| Legal Block | R |
| Legal Lot Number | 4416 |
| Jurisdiction | BLACK HAWK IA |
| Minor Civil Division | WATERLOO |
| Census Blockgroup | 2 |
| Census Block | 2001 |
| Census Tract | 3001 |
Source: Black Hawk County records · APN 8813-11-152-042
Assessment roll updated October 17, 2025 · Last verified June 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 File |
|---|---|
| Mailing Address | 4416 REFLECTION LN, WATERLOO, IA 50701-9354 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Mar 28, 2005 | Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA |
| Mar 09, 2007 | Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA |
| Mar 20, 2026 | Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 20, 2026 · Amount on Record |
| Deed Sale | Mar 20, 2026 · Amount on Record |
| Deed Doc Number | 20263613 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 4416 REFLECTION LN, WATERLOO, IA 50701-9354 |
| Transaction Type | Mortgage |
| Record Updated | Apr 01, 2026 |
| Name | Verified Name |
|---|
| Document Number | 2005022017 |
|---|---|
| Date | Mar 28, 2005 |
| Instrument | 2005022017 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | BILLINGS, MT 59107 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Mar 01, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 4416 REFLECTION LN, WATERLOO, IA 50701-9354 |
| Transaction Type | Mortgage |
| Record Updated | Apr 01, 2026 |
| Name | Verified Name |
|---|
| Document Number | 2007018910 |
|---|---|
| Date | Mar 09, 2007 |
| Instrument | 2007018910 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Feb 18, 2022 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Mar 20, 2026 |
| Property Address | 4416 REFLECTION LN, WATERLOO, IA 50701-9354 |
| Document Number | 0202603613 |
| Instrument Date | Mar 19, 2026 |
| Instrument | 2026-03613 |
| Transaction Type | Transfer |
| Record Updated | Apr 01, 2026 |
| Title Company | TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $453.60 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 4416 REFLECTION LN, WATERLOO, IA 50701-9354 |
| Document Number | 0202603614 |
|---|---|
| Date | Mar 20, 2026 |
| Instrument | 2026-03614 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.12% |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Type Change Date | Apr 01, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 3.12% |
| Max Rate At Change | 7.12% |
| Index | 1-Year CMT |
| Max Rate | 11.1% |
Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified June 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 | $4,950.00 Homeowner's exemption | $262,640 (+0.82%) Land $34,980 Building $227,660 | $262,640 (+0.82%) Land $34,980 Building $227,660 |
| 2024 | $4,950.00 (+7.1%) | ||
| 2023 | $260,500 (+16.95%) Land $34,980 Building $225,520 | $260,500 (+16.95%) Land $34,980 Building $225,520 | |
| 2022 | $4,622.00 Homeowner's exemption | $222,740 Land $13,740 Building $209,000 | |
| 2021 | $222,740 Land $13,740 Building $209,000 |
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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