4426 Charm Dr, Waterloo, IA 50701 Property Records

Black Hawk County property record for 4426 Charm Dr, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,518 sqft · built 2018
Lot Size	0.499 acres (21,750 sqft)
Owner	2 Individual Names on File
Last Sale	$275,500 (Oct 2018)
Tax Bill	$6,020 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Oct 2018 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`8813-07-302-023`

Property Details

APN / Parcel Number

Primary APN	`8813-07-302-023`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,518 sqft Living Area
1st Floor Area	374 sqft
Basement Area	726 sqft
Unfinished Basement	726 sqft
Game Room	Game Room
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,750 sqft (0.499 acres)
Lot Dimensions	250 ft deep x 51 ft wide
Garage Type	Attached
Garage Area	726 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	96 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	4426 CHARM DR
City	WATERLOO
State	IA
Zip	50701-9755
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUTHLAND PARK FIFTH ADDITION LOT 3
Legal Range	13W
Legal Township	88N
Legal Section	07
Legal Subdivision	SOUTHLAND PARK FIFTH ADDITION
Legal Lot Number	3
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1039
Census Tract	3001

Owner

4426 Charm Dr is owned and occupied by two individuals who bought it in October 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	4426 CHARM DR, WATERLOO, IA 50701-9755
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
Mar 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
Oct 26, 2018	Deed of Trust, Mortgage UNIVERSITY OF IOWA CREDIT UNION
Oct 16, 2018	Warranty Deed, Transfer UNIVERSITY OF IOWA CREDIT UNION
May 8, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2018 · Amount on File
Deed Sale	Oct 16, 2018 · Amount on File
Prior Sale	May 8, 2018 · Amount on File
Deed Document Number	2018201900006277
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	4426 CHARM DR, WATERLOO, IA 50701-9755
Transaction Type	Mortgage
Record Updated	Oct 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000016262
Date	Mar 20, 2020
Instrument	202000016262

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	4426 CHARM DR, WATERLOO, IA 50701-9755
Transaction Type	Mortgage
Record Updated	Oct 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900006831
Date	Oct 26, 2018
Instrument	201900006831

Lender

Name	UNIVERSITY OF IOWA CREDIT UNION

Agreement

Amount	Amount on Record
Term	351 Months
Due	Jan 1, 2048

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 16, 2018
Property Address	4426 CHARM DR, WATERLOO, IA 50701-9755
Document Number	201900006277
Instrument Date	Sep 11, 2018
Instrument	201900006277
Transaction Type	Transfer
Record Updated	Oct 17, 2025

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4426 CHARM DR, WATERLOO, IA 50701-9755

Mortgage

Document Number	201900006278
Date	Oct 16, 2018
Instrument	201900006278

Lender

Name	UNIVERSITY OF IOWA CREDIT UNION

Agreement

Amount	Amount on Record
Term	351 Months
Due	Jan 1, 2048

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 8, 2018
Property Address	4426 CHARM DR, WATERLOO, IA 50701-9755
Document Number	201800018189
Instrument Date	May 7, 2018
Instrument	201800018189
Transaction Type	Transfer
Record Updated	Oct 17, 2025

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4117 W CEDAR WAPSIE RD, CEDAR FALLS, IA 50613-8713

Tax Assessment & Valuation

The 2025 property tax bill for 4426 Charm Dr was $6,020 with a homeowner's exemption, down 5.6% 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	$6,020.00 (-5.58%) Homeowner's exemption	$305,900 Land $50,030 Building $255,870	$305,900 Land $50,030 Building $255,870
2024	$6,376.00
2023		$304,120 (+16.47%) Land $50,030 Building $254,090	$304,120 Land $50,030 Building $254,090
2022	$5,540.00 Homeowner's exemption	$261,120 Land $50,030 Building $211,090
2021			$261,120 Land $50,030 Building $211,090

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

Flood

FEMA maps place 4426 Charm Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 27, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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 4426 Charm Dr is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · above 49% 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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