4824 William Dr, Waterloo, IA 50701 Property Records

Black Hawk County property record for 4824 William Dr, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 1,184 sqft · built 1975
Lot Size	0.467 acres (20,350 sqft)
Owner	Individual Name on Record
Last Sale	$305,000 (Oct 2025)
Tax Bill	$5,820 (2025)
Deeds & Mortgages	Mar 2022 Line of Credit Jul 2008 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8813-07-452-003`

Property Details

APN / Parcel Number

Primary APN	`8813-07-452-003`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Building Area	1,184 sqft Living Area
1st Floor Area	1,184 sqft
Basement Area	1,184 sqft
Finished Basement	800 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Split Foyer
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,350 sqft (0.467 acres)
Lot Dimensions	185 ft deep x 110 ft wide
Garage Type	Attached
Garage Area	598 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	260 sqft
Deck Area	96 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	4824 WILLIAM DR
City	WATERLOO
State	IA
Zip	50701-9765
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FIRST ADD TO KLINGAMAN KNOLLS LOT 20
Legal Range	13W
Legal Township	88N
Legal Section	07
Legal Subdivision	FIRST ADD TO KLINGAMAN KNOLLS
Legal Lot Number	20
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1072
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	4824 WILLIAM DR, WATERLOO, IA 50701-9765
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2022	Deed of Trust, Mortgage · Line of Credit GREENSTATE CU
Jul 24, 2008	Deed of Trust, Mortgage VERIDIAN CU
Oct 24, 2025	Warranty Deed, Transfer · Conventional Mortgage EMPEOPLE CU
Oct 24, 2017	Warranty Deed, Transfer · Conventional Mortgage UNIVERSITY OF IOWA COMMUNITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 24, 2025 · Amount on Record
Deed Sale	Oct 24, 2025 · Amount on Record
Deed Document Number	202515695
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	4824 WILLIAM DR, WATERLOO, IA 50701-9765
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200017446
Date	Mar 3, 2022
Instrument	202200017446

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	4824 WILLIAM DR, WATERLOO, IA 50701-9765
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2009001969
Date	Jul 24, 2008
Instrument	2009001969

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Amount	Amount Recorded
Term	181 Months
Due	Aug 6, 2023

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 24, 2025
Property Address	4824 WILLIAM DR, WATERLOO, IA 50701-9765
Document Number	0202515695
Instrument Date	Oct 16, 2025
Instrument	2025-15695
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$487.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4824 WILLIAM DR, WATERLOO, IA 50701-9765

Mortgage

Document Number	0202515696
Date	Oct 24, 2025
Instrument	2025-15696

Lender

Name	EMPEOPLE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2030
Change Frequency	Annually
Min Rate At Change	5.25%
Max Rate At Change	7.25%
Index	1-Year CMT
Max Rate	10.2%

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 24, 2017
Property Address	4824 WILLIAM DR, WATERLOO, IA 50701-9765
Document Number	201800007229
Instrument Date	Oct 9, 2017
Instrument	2018-00007229
Transaction Type	Transfer
Record Updated	Nov 12, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
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	4824 WILLIAM DR, WATERLOO, IA 50701-9765

Mortgage

Document Number	201800007230
Date	Oct 24, 2017
Instrument	2018-00007230

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

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	$5,820.00 (+17.24%) Homeowner's exemption	$296,040 (+23.83%) Land $35,640 Building $260,400	$296,040 (+23.83%) Land $35,640 Building $260,400
2024	$4,964.00 (+14.27%)
2023		$239,070 (+15.7%) Land $35,640 Building $203,430	$239,070 (+15.7%) Land $35,640 Building $203,430
2022	$4,344.00 Homeowner's exemption	$206,630 Land $35,640 Building $170,990
2021			$206,630 Land $35,640 Building $170,990

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 minimal risk
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 96% of the US · lower than 71% of Iowa
Wildfire Likelihood	0.02% 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 218 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: CenturyLink, Nextlink.

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