Black Hawk County property record for 702 Sonya Dr, Waterloo, IA 50702
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,084 sqft · built 1980 |
| Lot Size | 0.179 acres (7,810 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $271,000 (Jul 2024) |
| Tax Bill | $4,230 (2025) |
| Deeds & Mortgages | Jul 2018 Mortgage Aug 2019 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 8813-03-478-006 |
| Primary APN | 8813-03-478-006 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Building Area | 1,084 sqft Living Area |
| 1st Floor Area | 1,084 sqft |
| Basement Area | 1,084 sqft |
| Finished Basement | 525 sqft |
| Unfinished Basement | 1,084 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Split Level |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| 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 | 520 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 144 sqft |
| Patio Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 702 SONYA DR |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50702-5640 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | STURDY ADDITION LOT 23 |
| Legal Range | 13W |
| Legal Township | 88N |
| Legal Section | 03 |
| Legal Subdivision | STURDY ADDITION |
| Legal Lot Number | 23 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 1301 |
Source: Black Hawk County records · APN 8813-03-478-006
Assessment roll updated October 17, 2025 · Last verified June 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 File |
|---|---|
| Mailing Address | 702 SONYA DR, WATERLOO, IA 50702-5640 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jul 27, 2018 | Deed of Trust, Mortgage FARMERS STATE BANK |
| Aug 07, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance FARMERS STATE BANK |
| Jul 27, 2018 | Warranty Deed, Transfer FARMERS STATE BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 12, 2024 · Amount on Record |
| Deed Sale | Jul 12, 2024 · Amount on Record |
| Prior Sale | Jul 27, 2018 · Amount on Record |
| Deed Document Number | 202417248 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 702 SONYA DR, WATERLOO, IA 50702-5640 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 201900001498 |
|---|---|
| Date | Jul 27, 2018 |
| Instrument | 201900001498 |
| Name | FARMERS STATE BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 354 Months |
| Due | Jan 01, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 702 SONYA DR, WATERLOO, IA 50702-5640 |
| Transaction Type | Mortgage |
| Record Updated | Sep 04, 2019 |
| Name | Verified Name |
|---|
| Document Number | 202000002344 |
|---|---|
| Date | Aug 07, 2019 |
| Instrument | 202000002344 |
| Name | FARMERS STATE BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Sep 01, 2039 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Jul 27, 2018 |
| Property Address | 702 SONYA DR, WATERLOO, IA 50702-5640 |
| Document Number | 201900001497 |
| Instrument Date | Jul 27, 2018 |
| Instrument | 201900001497 |
| Transaction Type | Transfer |
| Record Updated | Feb 10, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 702 SONYA DR, WATERLOO, IA 50702-5640 |
| Document Number | 201900001499 |
|---|---|
| Date | Jul 27, 2018 |
| Instrument | 201900001499 |
| Name | FARMERS STATE BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 174 Months |
| Due | Jan 01, 2033 |
Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community School District (PK - 12) |
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 | $4,230.00 Homeowner's exemption | $222,510 (+8.45%) Land $27,760 Building $194,750 | $222,510 (+8.45%) Land $27,760 Building $194,750 |
| 2024 | $4,230.00 (+25.89%) | ||
| 2023 | $205,180 (+26.76%) Land $27,760 Building $177,420 | $205,180 (+26.76%) Land $27,760 Building $177,420 | |
| 2022 | $3,360.00 Homeowner's exemption | $161,860 Land $27,760 Building $134,100 | |
| 2021 | $161,860 Land $27,760 Building $134,100 |
Source: FEMA National Flood Hazard Layer as of September 27, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 5 in force |
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Waterloo Telecommunications Utility Fiber | 10,000 / 10,000 |
| Metronet Holdings Fiber | 5,120 / 5,120 |
| Mediacom Communications Cable · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| LTD Broadband Fixed Wireless | 150 / 130 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 164 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WATERLOO WATER WORKS serves 69,504 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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