Black Hawk County property record for 716 Sonya Dr, Waterloo, IA 50702
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,084 sqft · built 1980 |
| Lot Size | 0.27 acres (11,770 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $168,000 (Jul 2017) |
| Tax Bill | $4,514 (2025) |
| Deeds & Mortgages | Jun 2023 Mortgage Jul 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 8813-03-478-035 |
| Primary APN | 8813-03-478-035 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Building Area | 1,084 sqft Living Area |
| 1st Floor Area | 1,084 sqft |
| Basement Area | 1,084 sqft |
| Finished Basement | 475 sqft |
| Unfinished Basement | 1,084 sqft |
| Game Room | Game Room |
| 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 | 11,770 sqft (0.27 acres) |
| Lot Dimensions | 110 ft deep x 107 ft wide |
| Garage Type | Attached |
| Garage Area | 520 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 224 sqft |
| Patio Area | 40 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 716 SONYA DR |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50702-5640 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | STURDY ADDITION LOT 25 AND W 1/2 LOT 26 |
| Legal Range | 13W |
| Legal Township | 88N |
| Legal Section | 03 |
| Legal Subdivision | STURDY ADDITION |
| Legal Lot Number | 25,26 |
| 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 September 1, 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 | 716 SONYA DR, WATERLOO, IA 50702-5640 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 23, 2023 | Intrafamily Transfer, Transfer · Conventional Mortgage VERIDIAN CU |
| Jul 24, 2017 | Deed of Trust, Mortgage · Conventional Mortgage UNIVERSITY OF IOWA COMMUNITY CU |
| Jul 24, 2017 | Warranty Deed, Transfer · ARM UNIVERSITY OF IOWA COMMUNITY CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 24, 2017 · Amount on Record |
| Deed Sale | Jul 24, 2017 · Amount on Record |
| Deed Document Number | 20172018-00001275 |
| Last Transfer Date | May 31, 2023 |
| Transfer Doc | 0000017282 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Jun 23, 2023 |
| Property Address | 716 SONYA DR, WATERLOO, IA 50702-5640 |
| Document Number | 202300017282 |
| Instrument Date | May 31, 2023 |
| Instrument | 202300017282 |
| Transaction Type | Transfer |
| Record Updated | Jul 7, 2023 |
| Title Company | TITLE SERVICES CORPORATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 716 SONYA DR, WATERLOO, IA 50702-5640 |
| Document Number | 202300017283 |
|---|---|
| Date | Jun 23, 2023 |
| Instrument | 202300017283 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.5% |
| Type Change Date | Jul 1, 2033 |
| Change Frequency | Annually |
| Min Rate At Change | 4.5% |
| Max Rate At Change | 8.5% |
| Index | 1-Year CMT |
| Max Rate | 12.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 716 SONYA DR, WATERLOO, IA 50702-5640 |
| Transaction Type | Mortgage |
| Record Updated | Nov 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 201800001277 |
|---|---|
| Date | Jul 24, 2017 |
| Instrument | 2018-00001277 |
| Name | UNIVERSITY OF IOWA COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | NORTH LIBERTY, IA 52317 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 72 Months |
| Due | Jul 5, 2023 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Jul 24, 2017 |
| Property Address | 716 SONYA DR, WATERLOO, IA 50702-5640 |
| Document Number | 201800001275 |
| Instrument Date | Jun 27, 2017 |
| Instrument | 2018-00001275 |
| Transaction Type | Transfer |
| Record Updated | Nov 22, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $268.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 716 SONYA DR, WATERLOO, IA 50702-5640 |
| Document Number | 201800001276 |
|---|---|
| Date | Jul 24, 2017 |
| Instrument | 2018-00001276 |
| Name | UNIVERSITY OF IOWA COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | NORTH LIBERTY, IA 52317 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 5, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.87% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jul 5, 2024 |
| Change Frequency | Annually |
| Min Rate At Change | 4.87% |
| Max Rate At Change | 7.87% |
| Index | 1-Year CMT |
| Max Rate | 11.8% |
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 | $4,514.00 (-0.53%) Homeowner's exemption | $232,030 (+5.74%) Land $37,650 Building $194,380 | $232,030 (+5.74%) Land $37,650 Building $194,380 |
| 2024 | $4,538.00 (+23.99%) | ||
| 2023 | $219,440 (+25.04%) Land $37,650 Building $181,790 | $219,440 (+25.04%) Land $37,650 Building $181,790 | |
| 2022 | $3,660.00 (+2.81%) Homeowner's exemption | $175,500 Land $37,650 Building $137,850 | |
| 2021 | $3,560.00 | $175,500 Land $37,650 Building $137,850 |
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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