5911 Grace Dr, Waterloo, IA 50701 Property Records

Black Hawk County property record for 5911 Grace Dr, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,372 sqft · built 1978
Lot Size	0.524 acres (22,816 sqft)
Owner	2 Individual Names on Record
Last Sale	$230,000 (Nov 2021)
Tax Bill	$6,386 (2025)
Deeds & Mortgages	May 2021 Mortgage May 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8813-16-478-001`

Property Details

APN / Parcel Number

Primary APN	`8813-16-478-001`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Building Area	1,372 sqft Living Area
1st Floor Area	1,372 sqft
Basement Area	1,372 sqft
Finished Basement	600 sqft
Unfinished Basement	1,372 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Split Level
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	22,816 sqft (0.524 acres)
Lot Dimensions	124 ft deep x 184 ft wide
Garage Type	Mixed
Garage Area	1,368 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	90 sqft
Patio Area	618 sqft
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	5911 GRACE DR
City	WATERLOO
State	IA
Zip	50701-9200
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LICHTY ORANGE ADDITION LOT 10
Legal Range	13W
Legal Township	88N
Legal Section	16
Legal Subdivision	LICHTY ORANGE ADDITION
Legal Lot Number	10
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1047
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	2 Individual Names on Record
Mailing Address	5911 GRACE DR, WATERLOO, IA 50701-9200
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage GREENSTATE CU
May 21, 2018	Deed of Trust, Mortgage VERIDIAN CREDIT UNION
Nov 3, 2020	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 3, 2021 · Amount on Record
Deed Sale	Nov 3, 2021 · Amount on Record
Prior Sale	Nov 3, 2020 · Amount on Record
Deed Document Number	20219674
Prior Transfer Date	Apr 14, 2006
Prior Transfer Doc	0200624938
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	5911 GRACE DR, WATERLOO, IA 50701-9200
Transaction Type	Mortgage
Record Updated	May 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100023284
Date	May 5, 2021
Instrument	202100023284

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	5911 GRACE DR, WATERLOO, IA 50701-9200
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800018885
Date	May 21, 2018
Instrument	201800018885

Lender

Name	VERIDIAN CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	356 Months
Due	Jan 1, 2048

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 3, 2020
Property Address	5911 GRACE DR, WATERLOO, IA 50701-9200
Document Number	202100009674
Instrument Date	Sep 26, 2020
Instrument	202100009674
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$367.20
Amount Accuracy	Rounded by County
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	5911 GRACE DR, WATERLOO, IA 50701-9200

Mortgage

Document Number	202100009675
Date	Nov 3, 2020
Instrument	202100009675

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Nov 5, 2025
Change Frequency	Annually
Min Rate At Change	4.87%
Max Rate At Change	5%
Index	1-Year CMT
Max Rate	9%

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	$6,386.00 (+1.37%) Homeowner's exemption	$323,760 (+7.68%) Land $38,860 Building $284,900	$323,760 (+7.68%) Land $38,860 Building $284,900
2024	$6,300.00 (+27.53%)
2023		$300,660 (+33.66%) Land $38,860 Building $261,800	$300,660 (+33.66%) Land $38,860 Building $261,800
2022	$4,940.00	$224,940 Land $38,860 Building $186,080
2021			$224,940 Land $38,860 Building $186,080

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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 64 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
GigFire Fixed Wireless	150 / 130

May also be available: Verizon.

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