4870 Harmony Pl, Waterloo, IA 50701 Property Records

Black Hawk County property record for 4870 Harmony Pl, Waterloo, IA 50701 · Last verified July 2026

Property Summary

Property Type	Condominium
Details	2 bd · 1.5 ba · 1,058 sqft · built 1978
Lot Size	0.087 acres (3,785 sqft)
Owner	Individual Name on File
Last Sale	$110,000 (Dec 2025)
Tax Bill	$1,864 (2025)
Deeds & Mortgages	Jul 2025 Line of Credit Dec 2025 Sale & Mortgage + 4 more
Flood Zone	Zone AE (high risk)
APN	`8813-07-351-069`

Property Details

APN / Parcel Number

Primary APN	`8813-07-351-069`

Interior

Bedrooms	2 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	250 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Condo/Apartment
Exterior Material	Vinyl
Construction Type	Frame
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	4870 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 5 UNIT C
Legal Range	13W
Legal Township	88N
Legal Section	07
Legal Subdivision	SOUTHLAND PARK OF WATERLOO
Legal Block	C
Legal Lot Number	5
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1042
Census Tract	3001

Owner

Source: Black Hawk County records · APN 8813-07-351-069

Assessment roll updated October 17, 2025 · Last verified July 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 File
Mailing Address	4870 HARMONY PL, WATERLOO, IA 50701-9294
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2025	Deed of Trust, Mortgage · Line of Credit DUPACO COMMUNITY CU
Dec 12, 2025	Warranty Deed, Transfer · Conventional Mortgage FARMERS STATE BANK
Jan 30, 2026	Re-recorded Document
Apr 29, 2025	Quit Claim Deed, Transfer Quitclaim
Jun 26, 2017	Warranty Deed, Transfer
Sep 25, 2006	Warranty Deed, Transfer · Conventional Mortgage GMAC MORTGAGE CORP

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 12, 2025 · Amount on Record
Deed Sale	Dec 12, 2025 · Amount on Record
Prior Sale	Jun 26, 2017 · Amount on Record
Deed Document Number	202518286
Prior Transfer Date	Apr 23, 2025
Prior Transfer Doc	0202505698
Record Updated	Sep 20, 2026

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	4870 HARMONY PL, WATERLOO, IA 50701-9294
Transaction Type	Mortgage
Record Updated	Feb 09, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202500010161
Date	Jul 16, 2025
Instrument	2025-00010161

Lender

Name	DUPACO COMMUNITY CU
Type	Credit Union
Address	1000 JACKSON ST, DUBUQUE, IA 52001

Agreement

Type	Line of Credit
Term	300 Months
Due	Jul 15, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Dec 12, 2025
Property Address	4870 HARMONY PL, WATERLOO, IA 50701-9294
Document Number	0202518286
Instrument Date	Dec 09, 2025
Instrument	2025-18286
Transaction Type	Transfer
Record Updated	Feb 09, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$175.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4870 HARMONY PL, WATERLOO, IA 50701-9294

Mortgage

Document Number	0202518287
Date	Dec 12, 2025
Instrument	2025-18287

Lender

Name	FARMERS STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 01, 2033
Change Frequency	Annually
Min Rate At Change	5.75%
Max Rate At Change	8.25%
Index	1-Year CMT
Max Rate	12.2%

January 2026: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	BLACK HAWK IA
Recording Date	Jan 30, 2026
Property Address	4870 HARMONY PL, WATERLOO, IA 50701-9294
Document Number	0202601323
Instrument Date	Dec 09, 2025
Instrument	2026-01323
Record Updated	Feb 09, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4870 HARMONY PL, WATERLOO, IA 50701-9294

April 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 29, 2025
Property Address	4870 HARMONY PL, WATERLOO, IA 50701-9294
Document Number	0202505698
Instrument Date	Apr 23, 2025
Instrument	2025-05698
Transaction Type	Transfer
Record Updated	Feb 09, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4870 HARMONY PL, WATERLOO, IA 50701-9294

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 26, 2017
Property Address	4870 HARMONY PL, WATERLOO, IA 50701-9294
Document Number	201700022782
Instrument Date	Jun 12, 2017
Instrument	2017-00022782
Transaction Type	Transfer
Record Updated	Feb 09, 2026

Transaction

Amount	Amount Recorded
Tax	$118.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4870 HARMONY PL, WATERLOO, IA 50701-9294

September 2006: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 25, 2006
Property Address	4870 HARMONY PL, WATERLOO, IA 50701-9294
Document Number	2007007099
Map Reference	MB221 MR153
Instrument Date	Sep 22, 2006
Instrument	2007007099
Transaction Type	Transfer
Record Updated	Feb 09, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$131.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4870 HARMONY PL, WATERLOO, IA 50701-9294

Mortgage

Document Number	2007007101
Date	Sep 25, 2006
Instrument	2007007101

Lender

Name	GMAC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2036

Tax Assessment & Valuation

Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified July 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,864.00	$114,230 (+32.9%) Land $8,520 Building $105,710	$114,230 (+32.9%) Land $8,520 Building $105,710
2024	$1,864.00 (+2.42%)
2023		$85,950 (+3.7%) Land $8,520 Building $77,430	$85,950 (+3.7%) Land $8,520 Building $77,430
2022	$1,820.00	$82,880 Land $5,680 Building $77,200
2021			$82,880 Land $5,680 Building $77,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Black Hawk County (19013C), updated September 27, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 190130030011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 21 individual NFIP policies nearby
Nearby Flood Policies	37 units insured 16 under condo master policies
Nearby Flood Claims	2 (1985–2020)
Most Recent Claim	Jun 2020, rainfall accumulation

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 118 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Waterloo Telecommunications Utility	Fiber	10,000 / 10,000
Metronet Holdings	Fiber	5,120 / 5,120
Mediacom Communications	Cable	1,000 / 50
Verizon	Fixed Wireless	300 / 20
LTD Broadband	Fixed Wireless (licensed-by-rule)	150 / 130

May also be available at this address: AMG Technology Investment Group. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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