707 E San Marnan Dr, Waterloo, IA 50702 Property Records

Black Hawk County property record for 707 E San Marnan Dr, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,403 sqft · built 2001
Lot Size	0.228 acres (9,936 sqft)
Owner	2 Individual Names on File
Last Sale	$330,000 (Oct 2023)
Tax Bill	$5,954 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8813-03-478-022`

Property Details

APN / Parcel Number

Primary APN	`8813-03-478-022`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Building Area	1,403 sqft Living Area
1st Floor Area	1,403 sqft
Basement Area	1,403 sqft
Finished Basement	650 sqft
Unfinished Basement	1,403 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Split Foyer
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,936 sqft (0.228 acres)
Lot Dimensions	138 ft deep x 72 ft wide
Garage Type	Detached
Garage Area	836 sqft
Parking Spaces	3 Parking Spaces
Deck Area	168 sqft
Patio Area	451 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	707 E SAN MARNAN DR
City	WATERLOO
State	IA
Zip	50702-5607
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STURDY ADDITION LOT 39
Legal Range	13W
Legal Township	88N
Legal Section	03
Legal Subdivision	STURDY ADDITION
Legal Lot Number	39
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2011
Census Tract	1301

Owner

707 E San Marnan Dr is owned and occupied by two individuals who bought it in October 2023.

Source: Black Hawk County records, as of September 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	707 E SAN MARNAN DR, WATERLOO, IA 50702-5607
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 2023 · Amount on File
Deed Sale	Oct 17, 2023 · Amount on File
Prior Sale	Feb 23, 2023 · Amount on File
Deed Document Number	20236289
Prior Transfer Date	Sep 27, 2016
Prior Transfer Doc	201700006874
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 17, 2022
Property Address	707 E SAN MARNAN DR, WATERLOO, IA 50702-5607
Document Number	202300006289
Instrument Date	Oct 14, 2022
Instrument	202300006289
Transaction Type	Transfer
Record Updated	Nov 2, 2022
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$527.20
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	707 E SAN MARNAN DR, WATERLOO, IA 50702-5607

Mortgage

Document Number	202300006290
Date	Oct 17, 2022
Instrument	202300006290

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Type Change Date	Nov 1, 2032
Change Frequency	Annually
Min Rate At Change	3.37%
Max Rate At Change	7.37%
Index	1-Year CMT
Max Rate	11.3%

Tax Assessment & Valuation

The 2025 property tax bill for 707 E San Marnan Dr was $5,954, down 1.2% from the year before.

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	$5,954.00 (-1.19%)	$291,780 Land $30,600 Building $261,180	$291,780 Land $30,600 Building $261,180
2024	$6,026.00
2023		$277,780 (+31.43%) Land $30,600 Building $247,180	$277,780 Land $30,600 Building $247,180
2022	$4,446.00 Homeowner's exemption	$211,350 Land $30,600 Building $180,750
2021			$211,350 Land $30,600 Building $180,750

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 707 E San Marnan Dr in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 707 E San Marnan Dr 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 99.8% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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