4440 Charm Dr, Waterloo, IA 50701 Property Records

Black Hawk County property record for 4440 Charm Dr, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,644 sqft · built 2017
Lot Size	0.48 acres (20,928 sqft)
Owner	Individual Name on Record
Last Sale	$417,000 (Aug 2022)
Tax Bill	$8,110 (2025)
Deeds & Mortgages	Dec 2017 Mortgage Aug 2022 Sale + 1 more
Flood Zone	Zone X (moderate risk)
APN	`8813-07-302-021`

Property Details

APN / Parcel Number

Primary APN	`8813-07-302-021`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,644 sqft Living Area
1st Floor Area	1,644 sqft
Basement Area	1,644 sqft
Finished Basement	810 sqft
Unfinished Basement	1,644 sqft
Game Room	Game Room
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,928 sqft (0.48 acres)
Lot Dimensions	192 ft deep x 88 ft wide
Garage Type	Attached
Garage Area	727 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	30 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	4440 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 5
Legal Range	13W
Legal Township	88N
Legal Section	07
Legal Subdivision	SOUTHLAND PARK FIFTH ADDITION
Legal Lot Number	5
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	Individual Name on Record
Mailing Address	4440 CHARM DR, WATERLOO, IA 50701-9755
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage UNIVERSITY OF IOWA COMMUNITY CU
Aug 2, 2022	Warranty Deed, Transfer TITLE SERVICES CORPORATION
Aug 25, 2020	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 2, 2022 · Amount on Record
Deed Sale	Aug 2, 2022 · Amount on Record
Prior Sale	Aug 25, 2021 · Amount on Record
Deed Document Number	20221900
Record Updated	Oct 29, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	4440 CHARM DR, WATERLOO, IA 50701-9755
Transaction Type	Mortgage
Record Updated	Oct 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800011099
Date	Dec 28, 2017
Instrument	2018-00011099

Lender

Name	UNIVERSITY OF IOWA COMMUNITY CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 5, 2033

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Aug 2, 2022
Property Address	4440 CHARM DR, WATERLOO, IA 50701-9755
Document Number	202300001900
Instrument Date	Jul 25, 2022
Instrument	202300001900
Transaction Type	Transfer
Record Updated	Oct 17, 2025
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount Recorded
Tax	$666.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4440 CHARM DR, WATERLOO, IA 50701-9755

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Aug 25, 2020
Property Address	4440 CHARM DR, WATERLOO, IA 50701-9755
Document Number	202100004106
Instrument Date	Aug 21, 2020
Instrument	202100004106
Transaction Type	Transfer
Record Updated	Oct 17, 2025
Title Company	TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$559.20
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 with Right of Survivorship
Address	4440 CHARM DR, WATERLOO, IA 50701-9755

Mortgage

Document Number	202100004107
Date	Aug 25, 2020
Instrument	202100004107

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

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	$8,110.00 (-4.83%) Homeowner's exemption	$422,910 (+1.47%) Land $63,930 Building $358,980	$422,910 (+1.47%) Land $63,930 Building $358,980
2024	$8,522.00 (+12.58%)
2023		$416,780 (+17.89%) Land $63,930 Building $352,850	$416,780 (+17.89%) Land $63,930 Building $352,850
2022	$7,570.00 Homeowner's exemption	$353,540 Land $63,930 Building $289,610
2021			$353,540 Land $63,930 Building $289,610

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

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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