4862 Harmony Pl, Waterloo, IA 50701 Property Records

Black Hawk County property record for 4862 Harmony Pl, Waterloo, IA 50701

Property Summary

Property Type	Condominium
Details	3 bd · 1.5 ba · 1,058 sqft · built 1978
Lot Size	0.087 acres (3,785 sqft)
Owner	Individual Name on Record
Last Sale	$86,000 (Sep 2021)
Tax Bill	$2,092 (2025)
Deeds & Mortgages	Sep 2017 Mortgage Sep 2017 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`8813-07-351-073`

Property Details

APN / Parcel Number

Primary APN	`8813-07-351-073`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,058 sqft Living Area
1st Floor Area	529 sqft
Basement Area	529 sqft
Finished Basement	144 sqft
Unfinished Basement	529 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Condo/Apartment
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	3,785 sqft (0.087 acres)
Garage Type	Attached
Garage Area	230 sqft
Parking Spaces	1 Parking Space
Patio Area	256 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	4862 HARMONY PL
City	WATERLOO
State	IA
Zip	50701-9294
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	SOUTHLAND PARK OF WATERLOO A CONDOMINIUM BLDG 6 UNIT C
Legal Range	13W
Legal Township	88N
Legal Section	07
Legal Subdivision	SOUTHLAND PARK OF WATERLOO
Legal Block	C
Legal Lot Number	6
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1042
Census Tract	3001

Owner

Source: Black Hawk County records, as of September 18, 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 Record
Mailing Address	4862 HARMONY PL, WATERLOO, IA 50701-9294
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 5, 2017	Deed of Trust, Mortgage · ARM COLLINS COMMUNITY CU
Sep 5, 2017	Deed of Trust, Mortgage · Second Mortgage (Down Payment) COLLINS COMMUNITY CU
Oct 6, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage GREENSTATE CU
Oct 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage GREENSTATE CU
Sep 14, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 14, 2021 · Amount on Record
Deed Sale	Sep 14, 2021 · Amount on Record
Prior Sale	Sep 14, 2020 · Amount on Record
Deed Document Number	20215527
Prior Transfer Date	Aug 24, 2017
Prior Transfer Doc	2018000040
Record Updated	Oct 29, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	4862 HARMONY PL, WATERLOO, IA 50701-9294
Transaction Type	Mortgage
Record Updated	Oct 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800004019
Date	Sep 5, 2017
Instrument	2018-00004019

Lender

Name	COLLINS COMMUNITY CU
Type	Credit Union
Address	CEDAR RAPIDS, IA 52402

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2024
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	6.25%
Index	1-Year CMT
Max Rate	10.2%

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	4862 HARMONY PL, WATERLOO, IA 50701-9294
Transaction Type	Mortgage
Record Updated	Oct 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800004020
Date	Sep 5, 2017
Instrument	2018-00004020

Lender

Name	COLLINS COMMUNITY CU
Type	Credit Union
Address	CEDAR RAPIDS, IA 52402

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	121 Months
Due	Oct 1, 2027

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	4862 HARMONY PL, WATERLOO, IA 50701-9294
Transaction Type	Mortgage
Record Updated	Oct 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100007301
Date	Oct 6, 2020
Instrument	202100007301

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Oct 5, 2030

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	4862 HARMONY PL, WATERLOO, IA 50701-9294
Transaction Type	Mortgage
Record Updated	Oct 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100007300
Date	Oct 6, 2020
Instrument	202100007300

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 5, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Oct 5, 2030
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	5.75%
Index	1-Year CMT
Max Rate	9.75%

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 14, 2020
Property Address	4862 HARMONY PL, WATERLOO, IA 50701-9294
Document Number	202100005527
Instrument Date	Jul 14, 2020
Instrument	202100005527
Transaction Type	Transfer
Record Updated	Oct 17, 2025

Transaction

Amount	Amount Recorded
Tax	$136.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4862 HARMONY PL, WATERLOO, IA 50701-9294

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	$2,092.00 (+28.34%) Homeowner's exemption	$113,370 (+32.88%) Land $8,520 Building $104,850	$113,370 (+32.88%) Land $8,520 Building $104,850
2024	$1,630.00 (+1.12%)
2023		$85,320 (+3.72%) Land $8,520 Building $76,800	$85,320 (+3.72%) Land $8,520 Building $76,800
2022	$1,612.00 Homeowner's exemption	$82,260 Land $5,680 Building $76,580
2021			$82,260 Land $5,680 Building $76,580

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	Not rated no burnable land within 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 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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