4422 Harbin Dr, Waterloo, IA 50701 Property Records

Black Hawk County property record for 4422 Harbin Dr, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,166 sqft · built 1984
Lot Size	0.377 acres (16,426 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,324 (2025)
Deeds & Mortgages	Aug 2017 Mortgage Aug 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`8813-08-152-002`

Property Details

APN / Parcel Number

Primary APN	`8813-08-152-002`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,166 sqft Living Area
1st Floor Area	1,166 sqft
Basement Area	583 sqft
Finished Basement	475 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Split Level
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,426 sqft (0.377 acres)
Lot Dimensions	141 ft deep x 110 ft wide
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	289 sqft
Deck Area	Deck Area
Patio Area	272 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	4422 HARBIN DR
City	WATERLOO
State	IA
Zip	50701-9204
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AUDUBON PARK FIRST ADDITION LOT 2
Legal Range	13W
Legal Township	88N
Legal Section	08
Legal Subdivision	AUDUBON PARK FIRST ADDITION
Legal Lot Number	2
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1055
Census Tract	3001

Owner

4422 Harbin Dr is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	4422 HARBIN DR, WATERLOO, IA 50701-9204
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

Date	Document
Aug 24, 2017	Deed of Trust, Mortgage VERIDIAN CU
Aug 24, 2017	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	4422 HARBIN DR, WATERLOO, IA 50701-9204
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800003393
Date	Aug 24, 2017
Instrument	2018-00003393

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Amount	Amount on Record
Term	61 Months
Due	Sep 5, 2022

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	4422 HARBIN DR, WATERLOO, IA 50701-9204
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800003392
Date	Aug 24, 2017
Instrument	2018-00003392

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Aug 16, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 4422 Harbin Dr was $4,324 with a homeowner's exemption, down 9% 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	$4,324.00 (-9.05%) Homeowner's exemption	$237,340 Land $48,590 Building $188,750	$237,340 Land $48,590 Building $188,750
2024	$4,754.00
2023		$243,110 (+24.54%) Land $48,590 Building $194,520	$243,110 Land $48,590 Building $194,520
2022	$4,092.00 Homeowner's exemption	$195,210 Land $48,590 Building $146,620
2021			$195,210 Land $48,590 Building $146,620

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

Flood

FEMA maps place 4422 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 4422 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

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