4864 William Dr, Waterloo, IA 50701 Property Records

Black Hawk County property record for 4864 William Dr, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,476 sqft · built 1975
Lot Size	0.551 acres (24,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$209,500 (Dec 2020)
Tax Bill	$5,510 (2025)
Deeds & Mortgages	Nov 2019 Refinance Aug 2025 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8813-07-452-011`

Property Details

APN / Parcel Number

Primary APN	`8813-07-452-011`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,476 sqft Living Area
1st Floor Area	1,476 sqft
Basement Area	1,476 sqft
Finished Basement	800 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	24,000 sqft (0.551 acres)
Lot Dimensions	160 ft deep x 150 ft wide
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	72 sqft
Patio Area	396 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	4864 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 23 & NWLY 1/2 OF VAC MARY ELLEN DR ROW LYING SWLY OF THE SWLY LINE OF WILLIAM DR & EASE
Legal Range	13W
Legal Township	88N
Legal Section	07
Legal Subdivision	FIRST ADD TO KLINGAMAN KNOLLS
Legal Lot Number	23
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 May 27, 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	4864 WILLIAM DR, WATERLOO, IA 50701-9765
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance GREENSTATE CREDIT UNION
Aug 13, 2025	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Dec 17, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage VERIDIAN CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 17, 2020 · Amount on Record
Deed Sale	Dec 17, 2020 · Amount on Record
Prior Sale	Dec 17, 2019 · Amount on Record
Deed Document Number	202010954
Record Updated	Sep 20, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	4864 WILLIAM DR, WATERLOO, IA 50701-9765
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000008945
Date	Nov 14, 2019
Instrument	202000008945

Lender

Name	GREENSTATE CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	4864 WILLIAM DR, WATERLOO, IA 50701-9765
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4864 WILLIAM DR, WATERLOO, IA 50701-9765

Mortgage

Document Number	0202511764
Date	Aug 13, 2025
Instrument	2025-11764

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	PO BOX 6000, WATERLOO, IA 50704

Agreement

Type	Line of Credit
Term	300 Months
Due	Aug 12, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Dec 17, 2019
Property Address	4864 WILLIAM DR, WATERLOO, IA 50701-9765
Document Number	20202000010954
Instrument Date	Dec 13, 2019
Instrument	20202000010954
Transaction Type	Transfer
Record Updated	Nov 11, 2024
Title Company	MISC COMPANY

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
Relationship	Joint Tenants
Address	4864 WILLIAM DR, WATERLOO, IA 50701-9765

Mortgage

Document Number	20202000010955
Date	Dec 17, 2019
Instrument	20202000010955

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 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	$5,510.00 Homeowner's exemption	$325,150 (+23.05%) Land $46,800 Building $278,350	$325,150 (+23.05%) Land $46,800 Building $278,350
2024	$5,510.00 (+14.03%)
2023		$264,250 (+15.45%) Land $46,800 Building $217,450	$264,250 (+15.45%) Land $46,800 Building $217,450
2022	$4,832.00 Homeowner's exemption	$228,880 Land $46,800 Building $182,080
2021			$228,880 Land $46,800 Building $182,080

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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