812 Grindstone Cir, Waterloo, IA 50702 Property Records

Black Hawk County property record for 812 Grindstone Cir, Waterloo, IA 50702

Property Summary

Property Type	Condominium
Details	4 bd · 4 ba · 1,560 sqft · built 2019
Lot Size	0.113 acres (4,929 sqft)
Owner	2 Individual Names on File
Last Sale	$220,000 (Jun 2020)
Tax Bill	$5,196 (2025)
Deeds & Mortgages	Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8813-11-203-012`

Property Details

APN / Parcel Number

Primary APN	`8813-11-203-012`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,560 sqft Living Area
1st Floor Area	728 sqft
Basement Area	728 sqft
Finished Basement	400 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Condo/Apartment
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	4,929 sqft (0.113 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	30 sqft
Deck Area	144 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	812 GRINDSTONE CIR
City	WATERLOO
State	IA
Zip	50702-6126
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	PRAIRIE MEADOW ESTATES A CONDOMINIUM UNIT 812
Legal Range	13W
Legal Township	88N
Legal Section	11
Legal Subdivision	PRAIRIE MEADOW ESTATES A CONDOMINIUM
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2074
Census Tract	900

Owner

812 Grindstone Cir, a condominium, is owned and occupied by two individuals who bought it in June 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	812 GRINDSTONE CIR, WATERLOO, IA 50702-6126
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	Jun 30, 2020 · Amount on File
Deed Sale	Jun 30, 2020 · Amount on File
Deed Document Number	202023293
Record Updated	Oct 29, 2026

June 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 30, 2020
Property Address	812 GRINDSTONE CIR, WATERLOO, IA 50702-6126
Document Number	202000023293
Map Reference	DOC 2020-17423
Instrument Date	Jun 22, 2020
Instrument	202000023293
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 10, 2022
Title Company	BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK CNTY ABSTRACT & T

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$351.20
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	812 GRINDSTONE CIR, WATERLOO, IA 50702-6126

Mortgage

Document Number	202000023294
Date	Jun 30, 2020
Instrument	202000023294

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Jul 1, 2030
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6%
Index	1-Year LIBOR
Max Rate	10%

Tax Assessment & Valuation

The 2025 property tax bill for 812 Grindstone Cir was $5,196 with a homeowner's exemption, up 2.4% 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	$5,196.00 (+2.4%) Homeowner's exemption	$265,450 Land $17,250 Building $248,200	$265,450 Land $17,250 Building $248,200
2024	$5,074.00
2023		$244,120 (+16.31%) Land $17,250 Building $226,870	$244,120 Land $17,250 Building $226,870
2022	$4,414.00 Homeowner's exemption	$209,890 Land $9,860 Building $200,030
2021			$209,890 Land $9,860 Building $200,030

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

Flood

FEMA maps place 812 Grindstone Cir 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	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

Wildfire risk around 812 Grindstone Cir is low, with 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 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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