Black Hawk County property record for 5821 Cimmarron Ln, Waterloo, IA 50701
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,144 sqft · built 1979 |
| Lot Size | 0.224 acres (9,750 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $158,000 (Aug 2011) |
| Tax Bill | $4,440 (2025) |
| Deeds & Mortgages | Aug 2019 Refinance Dec 2018 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 8813-13-483-013 |
| Primary APN | 8813-13-483-013 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 11 Rooms |
| Stories | 1 Story |
| Building Area | 1,144 sqft Living Area |
| 1st Floor Area | 1,144 sqft |
| Basement Area | 1,144 sqft |
| Finished Basement | 885 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Exterior Material | Aluminum Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,750 sqft (0.224 acres) |
| Lot Dimensions | 130 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 504 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 196 sqft |
| Patio Area | 192 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 5821 CIMMARRON LN |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50701-9414 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WESTDALE LOT 11 EXC E 10 FT |
| Legal Range | 13W |
| Legal Township | 88N |
| Legal Section | 13 |
| Legal Subdivision | WESTDALE |
| Legal Lot Number | 11 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 2 |
| Census Block | 2027 |
| Census Tract | 3001 |
5821 Cimmarron Ln is owned and occupied by two individuals who bought it in August 2011.
Source: Black Hawk County records, as of September 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5821 CIMMARRON LN, WATERLOO, IA 50701-9414 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 26, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance FARMERS STATE BANK |
| Dec 21, 2018 | Deed of Trust, Mortgage · Stand-Alone Refinance FARMERS STATE BANK |
| Aug 29, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage FARMERS STATE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 1, 2011 · Amount on File |
| Deed Sale | Aug 1, 2011 · Amount on File |
| Prior Sale | Feb 19, 2008 · Amount on File |
| Deed Document Number | 20112012001879 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 5821 CIMMARRON LN, WATERLOO, IA 50701-9414 |
| Transaction Type | Mortgage |
| Record Updated | Oct 17, 2025 |
| Name | Verified Name |
|---|
| Document Number | 202000003567 |
|---|---|
| Date | Aug 26, 2019 |
| Instrument | 202000003567 |
| Name | FARMERS STATE BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Sep 1, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 5821 CIMMARRON LN, WATERLOO, IA 50701-9414 |
| Transaction Type | Mortgage |
| Record Updated | Oct 17, 2025 |
| Name | Verified Name |
|---|
| Document Number | 201900009616 |
|---|---|
| Date | Dec 21, 2018 |
| Instrument | 201900009616 |
| Name | FARMERS STATE BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 5821 CIMMARRON LN, WATERLOO, IA 50701-9414 |
| Transaction Type | Mortgage |
| Record Updated | Oct 17, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0202512682 |
|---|---|
| Date | Aug 29, 2025 |
| Instrument | 2025-12682 |
| Name | FARMERS STATE BANK |
|---|---|
| Type | Bank |
| Address | 131 TOWER PARK DR STE 100, WATERLOO, IA 50701 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Aug 28, 2035 |
The 2025 property tax bill for 5821 Cimmarron Ln was $4,440 with a homeowner's exemption, up 11.4% from the year before.
Source: Black Hawk County assessment roll, as of October 17, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,440.00 (+11.45%) Homeowner's exemption | $228,430 Land $27,560 Building $200,870 | $228,430 Land $27,560 Building $200,870 |
| 2024 | $3,984.00 | ||
| 2023 | $193,830 (+14.77%) Land $27,560 Building $166,270 | $193,830 Land $27,560 Building $166,270 | |
| 2022 | $3,514.00 Homeowner's exemption | $168,890 Land $27,560 Building $141,330 | |
| 2021 | $168,890 Land $27,560 Building $141,330 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5821 Cimmarron Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2013.
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 |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (2013) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 2013 |
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 risk around 5821 Cimmarron Ln is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 91% of Iowa |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 216 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 · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
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