Black Hawk County property record for 628 Sonya Dr, Waterloo, IA 50702
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 2 ba · 988 sqft · built 1979 |
| Lot Size | 0.179 acres (7,810 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $157,500 (Aug 2024) |
| Tax Bill | $3,826 (2025) |
| Deeds & Mortgages | Mar 2024 Sale & Mortgage Jan 2018 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 8813-03-478-004 |
| Primary APN | 8813-03-478-004 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 988 sqft Living Area |
| 1st Floor Area | 988 sqft |
| Basement Area | 988 sqft |
| Finished Basement | 775 sqft |
| Unfinished Basement | 988 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,810 sqft (0.179 acres) |
| Lot Dimensions | 110 ft deep x 71 ft wide |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 168 sqft |
| Patio Area | 192 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 628 SONYA DR |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50702-5614 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | STURDY ADDITION LOT 21 |
| Legal Range | 13W |
| Legal Township | 88N |
| Legal Section | 03 |
| Legal Subdivision | STURDY ADDITION |
| Legal Lot Number | 21 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 1301 |
Source: Black Hawk County records, as of October 21, 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 Record |
|---|---|
| Mailing Address | 628 SONYA DR, WATERLOO, IA 50702-5614 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 26, 2024 | Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Jan 25, 2018 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Aug 2, 2023 | Legal Action/Court Order, Foreclosure TITLE SERVICES |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 2, 2024 · Amount on Record |
| Deed Sale | Aug 2, 2024 · Amount on Record |
| Prior Sale | Mar 26, 2024 · Amount on Record |
| Deed Document Number | 20241567 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Mar 26, 2024 |
| Property Address | 628 SONYA DR, WATERLOO, IA 50702-5614 |
| Document Number | 202400011738 |
| Instrument Date | Feb 19, 2024 |
| Instrument | 202400011738 |
| Transaction Type | Transfer |
| Record Updated | Apr 15, 2024 |
| Amount | Amount Recorded |
|---|---|
| Tax | $394.40 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 628 SONYA DR, WATERLOO, IA 50702-5614 |
| Document Number | 202400011739 |
|---|---|
| Date | Mar 26, 2024 |
| Instrument | 202400011739 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2054 |
| Document Number | 202400011739 |
|---|---|
| Date | Mar 26, 2024 |
| Instrument | 202400011739 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | 1400 FORUM BLVD STE 18, COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 628 SONYA DR, WATERLOO, IA 50702-5614 |
| Transaction Type | Mortgage |
| Record Updated | Aug 21, 2023 |
| Name | Verified Name |
|---|
| Document Number | 201800012385 |
|---|---|
| Date | Jan 25, 2018 |
| Instrument | 201800012385 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Legal Action/Court Order |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Aug 2, 2023 |
| Property Address | 628 SONYA DR, WATERLOO, IA 50702-5614 |
| Document Number | 202400001567 |
| Instrument Date | Jul 30, 2023 |
| Instrument | 202400001567 |
| Transaction Type | Foreclosure |
| Record Updated | Aug 21, 2023 |
| Title Company | TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Tax | $251.20 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 628 SONYA DR, WASHBURN, IA 50702-5614 |
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 | $3,826.00 (+0.31%) Homeowner's exemption | $207,330 (+32.67%) Land $27,760 Building $179,570 | $207,330 (+32.67%) Land $27,760 Building $179,570 |
| 2024 | $3,814.00 (+50.39%) | ||
| 2023 | $156,270 (+22.33%) Land $27,760 Building $128,510 | $156,270 (+22.33%) Land $27,760 Building $128,510 | |
| 2022 | $2,536.00 Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption | $127,740 Land $27,760 Building $99,980 | |
| 2021 | $127,740 Land $27,760 Building $99,980 |
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures