4448 Charm Dr, Waterloo, IA 50701 Property Records

Black Hawk County property record for 4448 Charm Dr, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,422 sqft · built 2018
Lot Size	0.406 acres (17,680 sqft)
Owner	Individual Name on File
Last Sale	$280,000 (Jul 2021)
Tax Bill	$5,960 (2025)
Deeds & Mortgages	Nov 2018 Mortgage May 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8813-07-302-020`

Property Details

APN / Parcel Number

Primary APN	`8813-07-302-020`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,422 sqft Living Area
1st Floor Area	1,422 sqft
Basement Area	1,422 sqft
Unfinished Basement	1,422 sqft
Game Room	Game Room
Flooring	Carpet
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	17,680 sqft (0.406 acres)
Lot Dimensions	208 ft deep x 53 ft wide
Garage Type	Attached
Garage Area	580 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	30 sqft
Deck Area	Deck Area
Patio Area	12 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	4448 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 6
Legal Range	13W
Legal Township	88N
Legal Section	07
Legal Subdivision	SOUTHLAND PARK FIFTH ADDITION
Legal Lot Number	6
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1039
Census Tract	3001

Owner

4448 Charm Dr is owned and occupied by an individual who bought it in July 2021.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	4448 CHARM DR, WATERLOO, IA 50701-9755
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 8, 2018	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOAN INC
May 28, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS INC
May 15, 2023	Warranty Deed, Transfer TITLE SERVICES GROUP, TITLE SERVICES CORP
Jul 14, 2021	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 14, 2021 · Amount on File
Deed Sale	Jul 14, 2021 · Amount on File
Prior Sale	Nov 8, 2018 · Amount on File
Deed Document Number	2021202200000942
Record Updated	Oct 29, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	4448 CHARM DR, WATERLOO, IA 50701-9755
Transaction Type	Mortgage
Record Updated	Oct 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900007474
Date	Nov 8, 2018
Instrument	201900007474

Lender

Name	QUICKEN LOAN INC
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	350 Months
Due	Jan 1, 2048

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	4448 CHARM DR, WATERLOO, IA 50701-9755
Transaction Type	Mortgage
Record Updated	Oct 17, 2025
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000020785
Date	May 28, 2020
Instrument	202000020785

Lender

Name	QUICKEN LOANS INC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 15, 2023
Property Address	4448 CHARM DR, WATERLOO, IA 50701-9755
Document Number	202300015240
Instrument Date	May 10, 2023
Instrument	202300015240
Transaction Type	Transfer
Record Updated	Oct 17, 2025
Title Company	TITLE SERVICES GROUP, TITLE SERVICES CORP

Transaction

Amount	Amount on Record
Tax	$63.20
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	1133 HAINES AVE, WATERLOO, IA 50701

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jul 14, 2021
Property Address	4448 CHARM DR, WATERLOO, IA 50701-9755
Document Number	202200000942
Instrument Date	Jun 17, 2021
Instrument	202200000942
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	$447.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4448 CHARM DR, WATERLOO, IA 50701-9755

Mortgage

Document Number	202200000943
Date	Jul 14, 2021
Instrument	202200000943

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 4448 Charm Dr was $5,960 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	$5,960.00 (-5.58%) Homeowner's exemption	$302,960 Land $47,870 Building $255,090	$302,960 Land $47,870 Building $255,090
2024	$6,312.00
2023		$301,190 (+18.36%) Land $47,870 Building $253,320	$301,190 Land $47,870 Building $253,320
2022	$5,394.00 (+611.61%) Homeowner's exemption	$254,470 Land $47,870 Building $206,600
2021	$758.00		$254,470 Land $47,870 Building $206,600

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

Flood

FEMA maps place 4448 Charm Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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 4448 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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