732 Grindstone Cir, Waterloo, IA 50702 Property Records

Black Hawk County property record for 732 Grindstone Cir, Waterloo, IA 50702

Property Summary

Property Type	Condominium
Details	3 bd · 3.5 ba · 1,333 sqft · built 2017
Lot Size	0.113 acres (4,929 sqft)
Owner	Individual Name on Record
Last Sale	$225,000 (Apr 2021)
Tax Bill	$5,236 (2025)
Deeds & Mortgages	Sep 2018 Mortgage Jun 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8813-11-203-009`

Property Details

APN / Parcel Number

Primary APN	`8813-11-203-009`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,333 sqft Living Area
1st Floor Area	1,333 sqft
Basement Area	1,333 sqft
Finished Basement	850 sqft
Unfinished Basement	1,333 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Condo/Apartment
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,929 sqft (0.113 acres)
Garage Type	Attached
Garage Area	471 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	164 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	732 GRINDSTONE CIR
City	WATERLOO
State	IA
Zip	50702-6124
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	PRAIRIE MEADOW ESTATES A CONDOMINIUM UNIT 732
Legal Range	13W
Legal Township	88N
Legal Section	11
Legal Subdivision	PRAIRIE MEADOW ESTATES A CONDOMINIUM
Legal Lot Number	732
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 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	732 GRINDSTONE CIR, WATERLOO, IA 50702-6124
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2018	Deed of Trust, Mortgage DEERE EMPLOYEES CREDIT UNION
Jun 7, 2021	Intrafamily Transfer, Transfer
Apr 1, 2021	Warranty Deed, Transfer · Conventional Mortgage FARMERS STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 1, 2021 · Amount on Record
Deed Sale	Apr 1, 2021 · Amount on Record
Prior Sale	Sep 6, 2018 · Amount on Record
Deed Document Number	202120503
Last Transfer Date	May 24, 2021
Transfer Doc	0000025702
Record Updated	Oct 29, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	732 GRINDSTONE CIR, WATERLOO, IA 50702-6124
Transaction Type	Mortgage
Record Updated	Nov 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900003963
Date	Sep 6, 2018
Instrument	201900003963

Lender

Name	DEERE EMPLOYEES CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	352 Months
Due	Jan 1, 2048

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 7, 2021
Property Address	732 GRINDSTONE CIR, WATERLOO, IA 50702-6124
Document Number	202100025702
Map Reference	DOC 201700011285
Instrument Date	May 24, 2021
Instrument	202100025702
Transaction Type	Transfer
Record Updated	Nov 17, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	732 GRINDSTONE CIR, WATERLOO, IA 50702-6124

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 1, 2021
Property Address	732 GRINDSTONE CIR, WATERLOO, IA 50702-6124
Document Number	202100020503
Map Reference	DOC 2021-1251
Instrument Date	Mar 27, 2021
Instrument	202100020503
Transaction Type	Transfer
Record Updated	Nov 17, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$359.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	732 GRINDSTONE CIR, WATERLOO, IA 50702-6124

Mortgage

Document Number	202100020504
Date	Apr 1, 2021
Instrument	202100020504

Lender

Name	FARMERS STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2036

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	$5,236.00 (+3.4%) Homeowner's exemption	$267,480 (+9.78%) Land $17,250 Building $250,230	$267,480 (+9.78%) Land $17,250 Building $250,230
2024	$5,064.00 (+2,244.44%)
2023		$243,650 (+2,371.1%) Land $17,250 Building $226,400	$243,650 (+16.73%) Land $17,250 Building $226,400
2022	$216.00	$9,860 Land $9,860
2021			$208,730

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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