715 Grindstone Cir, Waterloo, IA 50702 Property Records

Black Hawk County property record for 715 Grindstone Cir, Waterloo, IA 50702

Property Summary

Property Type	Condominium
Details	3 bd · 3.5 ba · 1,352 sqft · built 2016
Lot Size	0.113 acres (4,929 sqft)
Owner	Individual Name on Record
Last Sale	$265,000 (Mar 2025)
Tax Bill	$4,584 (2025)
Deeds & Mortgages	Dec 2019 Refinance Oct 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8813-11-204-005`

Property Details

APN / Parcel Number

Primary APN	`8813-11-204-005`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,352 sqft Living Area
1st Floor Area	676 sqft
Basement Area	676 sqft
Finished Basement	525 sqft
Unfinished Basement	676 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Condo/Apartment
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,929 sqft (0.113 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	20 sqft
Deck Area	100 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	715 GRINDSTONE CIR
City	WATERLOO
State	IA
Zip	50702-6125
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	PRAIRIE MEADOW ESTATES A CONDOMINIUM UNIT 715
Legal Range	13W
Legal Township	88N
Legal Section	11
Legal Subdivision	PRAIRIE MEADOW ESTATES A CONDOMINIUM
Legal Lot Number	715
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2074
Census Tract	900

Owner

Source: Black Hawk County records, as of October 20, 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	715 GRINDSTONE CIR, WATERLOO, IA 50702-6125
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 3, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance GREENSTATE CREDIT UNION
Oct 19, 2022	Deed of Trust, Mortgage · Line of Credit FIDELITY BANK & TRUST
Mar 28, 2025	Warranty Deed, Transfer · Conventional Mortgage UNITED BANK & TRUST
May 25, 2021	Warranty Deed, Transfer · Conventional Mortgage FIDELITY BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 28, 2025 · Amount on Record
Deed Sale	Mar 28, 2025 · Amount on Record
Prior Sale	May 25, 2021 · Amount on Record
Deed Document Number	20254061
Prior Transfer Date	Jun 27, 2018
Prior Transfer Doc	0000021469
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	715 GRINDSTONE CIR, WATERLOO, IA 50702-6125
Transaction Type	Mortgage
Record Updated	Oct 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000010070
Date	Dec 3, 2019
Instrument	202000010070

Lender

Name	GREENSTATE CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Jan 1, 2030

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	715 GRINDSTONE CIR, WATERLOO, IA 50702-6125
Transaction Type	Mortgage
Record Updated	Oct 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	715 GRINDSTONE CIR, WATERLOO, IA 50702-6125

Mortgage

Document Number	202300006392
Date	Oct 19, 2022
Instrument	202300006392

Lender

Name	FIDELITY BANK & TRUST
Type	Bank
Address	JANESVILLE, IA 50647

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Oct 18, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Mar 28, 2025
Property Address	715 GRINDSTONE CIR, WATERLOO, IA 50702-6125
Document Number	0202504061
Instrument Date	Mar 21, 2025
Instrument	2025-04061
Transaction Type	Transfer
Record Updated	Oct 21, 2025
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$423.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	715 GRINDSTONE CIR, WATERLOO, IA 50702-6125

Mortgage

Document Number	0202504062
Date	Mar 28, 2025
Instrument	2025-04062

Lender

Name	UNITED BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2040

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 25, 2021
Property Address	715 GRINDSTONE CIR, WATERLOO, IA 50702-6125
Document Number	202100024844
Map Reference	DOC 2017-13976
Instrument Date	Apr 29, 2021
Instrument	202100024844
Transaction Type	Transfer
Record Updated	Jun 9, 2021
Title Company	TITLE SERVICES CORP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$306.40
Amount Accuracy	Full Amount Stated
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	715 GRINDSTONE CIR, WATERLOO, IA 50702-6125

Mortgage

Document Number	202100024845
Date	May 25, 2021
Instrument	202100024845

Lender

Name	FIDELITY BANK & TRUST
Type	Bank

Agreement

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

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	$4,584.00 (+2.28%) Homeowner's exemption	$235,550 (+8.64%) Land $17,250 Building $218,300	$235,550 (+8.64%) Land $17,250 Building $218,300
2024	$4,482.00 (+14.16%)
2023		$216,820 (+15.55%) Land $17,250 Building $199,570	$216,820 (+15.55%) Land $17,250 Building $199,570
2022	$3,926.00 Homeowner's exemption	$187,640 Land $9,860 Building $177,780
2021			$187,640 Land $9,860 Building $177,780

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 76% of Iowa
Wildfire Likelihood	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 157 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
GigFire Fixed Wireless	150 / 130

May also be available: Verizon.

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