Black Hawk County property record for 623 Sonya Dr, Waterloo, IA 50702
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,856 sqft · built 1980 |
| Lot Size | 0.181 acres (7,875 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $208,000 (Jul 2013) |
| Tax Bill | $5,328 (2025) |
| Deeds & Mortgages | Apr 2024 Line of Credit Oct 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 8813-03-454-012 |
| Primary APN | 8813-03-454-012 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,856 sqft Living Area |
| 1st Floor Area | 1,092 sqft |
| Basement Area | 1,092 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,875 sqft (0.181 acres) |
| Lot Dimensions | 105 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 112 sqft |
| Deck Area | 858 sqft |
| Patio Area | 858 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 623 SONYA DR |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50702-5613 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | STURDY ADDITION LOT 15 |
| Legal Range | 13W |
| Legal Township | 88N |
| Legal Section | 03 |
| Legal Subdivision | STURDY ADDITION |
| Legal Lot Number | 15 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 1301 |
Source: Black Hawk County records, as of September 1, 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 623 SONYA DR, WATERLOO, IA 50702-5613 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 24, 2024 | Deed of Trust, Mortgage · Line of Credit VERIDIAN CU |
| Oct 18, 2022 | Deed of Trust, Mortgage · Line of Credit VERIDIAN CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 30, 2013 · Amount on Record |
| Deed Sale | Jul 30, 2013 · Amount on Record |
| Prior Sale | Aug 10, 2005 · Amount on Record |
| Deed Document Number | 20132014002260 |
| Prior Transfer Date | Mar 27, 2009 |
| Prior Transfer Doc | 0000019613 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 623 SONYA DR, WATERLOO, IA 50702-5613 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2024 |
| Name | Verified Name |
|---|---|
| Address | 623 SONYA DR, WATERLOO, IA 50702-5613 |
| Document Number | 202400013153 |
|---|---|
| Date | Apr 24, 2024 |
| Instrument | 2024-00013153 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | 23 W 4TH STREET, CEDAR FALLS, IA 50613 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Apr 23, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 623 SONYA DR, WATERLOO, IA 50702-5613 |
| Transaction Type | Mortgage |
| Record Updated | Nov 2, 2022 |
| Name | Verified Name |
|---|---|
| Address | 623 SONYA DR, WATERLOO, IA 50702-5613 |
| Document Number | 202300006380 |
|---|---|
| Date | Oct 18, 2022 |
| Instrument | 202300006380 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | WATERLOO, IA 50704 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 1, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $5,328.00 (-3.3%) Homeowner's exemption | $271,950 (+5.1%) Land $28,690 Building $243,260 | $271,950 (+5.1%) Land $28,690 Building $243,260 |
| 2024 | $5,510.00 (+23.27%) | ||
| 2023 | $258,760 (+25.49%) Land $28,690 Building $230,070 | $258,760 (+25.49%) Land $28,690 Building $230,070 | |
| 2022 | $4,470.00 Homeowner's exemption | $206,200 Land $28,690 Building $177,510 | |
| 2021 | $206,200 Land $28,690 Building $177,510 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 5 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 98.1% 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 164 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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