4432 Charm Dr, Waterloo, IA 50701 Property Records

Black Hawk County property record for 4432 Charm Dr, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,562 sqft · built 2018
Lot Size	0.49 acres (21,364 sqft)
Owner	2 Individual Names on Record
Last Sale	$365,000 (Sep 2022)
Tax Bill	$6,660 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`8813-07-302-022`

Property Details

APN / Parcel Number

Primary APN	`8813-07-302-022`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,562 sqft Living Area
1st Floor Area	396 sqft
Basement Area	748 sqft
Unfinished Basement	748 sqft
Game Room	Game Room
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,364 sqft (0.49 acres)
Lot Dimensions	196 ft deep x 88 ft wide
Garage Type	Attached
Garage Area	704 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	96 sqft
Patio Area	308 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	4432 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 4
Legal Range	13W
Legal Township	88N
Legal Section	07
Legal Subdivision	SOUTHLAND PARK FIFTH ADDITION
Legal Lot Number	4
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	4432 CHARM DR, WATERLOO, IA 50701-9755
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 7, 2022	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU
Dec 9, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage DEERE HARVESTER CU
Feb 20, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 7, 2022 · Amount on Record
Deed Sale	Sep 7, 2022 · Amount on Record
Prior Sale	Feb 20, 2019 · Amount on Record
Deed Document Number	20224045
Prior Transfer Date	Dec 3, 2020
Prior Transfer Doc	0000012280
Record Updated	Oct 29, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 7, 2022
Property Address	4432 CHARM DR, WATERLOO, IA 50701-9755
Document Number	202300004045
Instrument Date	Aug 23, 2022
Instrument	202300004045
Transaction Type	Transfer
Record Updated	Oct 17, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$583.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4432 CHARM DR, WATERLOO, IA 50701-9755

Mortgage

Document Number	202300004046
Date	Sep 7, 2022
Instrument	202300004046

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2052

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BLACK HAWK IA
Recording Date	Dec 9, 2020
Property Address	4432 CHARM DR, WATERLOO, IA 50701-9755
Document Number	202100012280
Instrument Date	Dec 3, 2020
Instrument	202100012280
Transaction Type	Transfer
Record Updated	Oct 17, 2025
Title Company	BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK CNTY ABSTRACT CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
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	4432 CHARM DR, WATERLOO, IA 50701-9755

Mortgage

Document Number	202100012281
Date	Dec 9, 2020
Instrument	202100012281

Lender

Name	DEERE HARVESTER CU
Type	Credit Union

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2%
Type Change Date	Jan 1, 2026
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	4%
Index	1-Year CMT
Max Rate	7%

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Feb 20, 2019
Property Address	4432 CHARM DR, WATERLOO, IA 50701-9755
Document Number	201900012634
Instrument Date	Jan 4, 2019
Instrument	201900012634
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	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4432 CHARM DR, WATERLOO, IA 50701-9755

Mortgage

Document Number	201900012635
Date	Feb 20, 2019
Instrument	201900012635

Lender

Name	US BANK NA
Type	Bank

Agreement

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

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	$6,660.00 (-5.64%) Homeowner's exemption	$337,200 (+0.49%) Land $64,520 Building $272,680	$337,200 (+0.49%) Land $64,520 Building $272,680
2024	$7,058.00 (+477.58%)
2023		$335,540 (+420.06%) Land $64,520 Building $271,020	$335,540 (+17.39%) Land $64,520 Building $271,020
2022	$1,222.00 Homeowner's exemption	$64,520 Land $64,520
2021			$285,830

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 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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