813 Grindstone Cir, Waterloo, IA 50702 Property Records

Black Hawk County property record for 813 Grindstone Cir, Waterloo, IA 50702

Property Summary

Property Type	Condominium
Details	3 bd · 3 ba · 1,560 sqft · built 2019
Lot Size	0.113 acres (4,929 sqft)
Owner	Individual Name on Record
Last Sale	$260,000 (Jun 2022)
Tax Bill	$5,032 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8813-11-204-010`

Property Details

APN / Parcel Number

Primary APN	`8813-11-204-010`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,560 sqft Living Area
1st Floor Area	728 sqft
Basement Area	728 sqft
Finished Basement	325 sqft
Unfinished Basement	728 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	480 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	813 GRINDSTONE CIR
City	WATERLOO
State	IA
Zip	50702-1210
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	PRAIRIE MEADOW ESTATES A CONDOMINIUM UNIT 813
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

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	813 GRINDSTONE CIR, WATERLOO, IA 50702-1210
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage FIRST SECURITY STATE BANK
Apr 16, 2020	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage DEERE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 24, 2022 · Amount on Record
Deed Sale	Jun 24, 2022 · Amount on Record
Prior Sale	Apr 16, 2020 · Amount on Record
Deed Document Number	202225006
Record Updated	Oct 29, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 24, 2022
Property Address	813 GRINDSTONE CIR, WATERLOO, IA 50702-1210
Document Number	202200025006
Map Reference	DOC 2020-1458
Instrument Date	May 4, 2022
Instrument	202200025006
Transaction Type	Transfer
Record Updated	Jul 11, 2022
Title Company	TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$415.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	813 GRINDSTONE CIR, WATERLOO, IA 50702-1210

Mortgage

Document Number	202200025007
Date	Jun 24, 2022
Instrument	202200025007

Lender

Name	FIRST SECURITY STATE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jun 20, 2047

April 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 16, 2020
Property Address	813 GRINDSTONE CIR, WATERLOO, IA 50702-1210
Document Number	202000017831
Map Reference	DOC 2020-1458
Instrument Date	Mar 23, 2020
Instrument	202000017831
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 11, 2022
Title Company	BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK CNTY ABSTRACT CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$303.20
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	813 GRINDSTONE CIR, WATERLOO, IA 50702-1210

Mortgage

Document Number	202000017832
Date	Apr 16, 2020
Instrument	202000017832

Lender

Name	DEERE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2040

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Type Change Date	May 1, 2025
Change Frequency	Annually
Min Rate At Change	2.62%
Max Rate At Change	4.62%
Index	1-Year CMT
Max Rate	7.62%

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	$5,032.00 (+3.71%) Homeowner's exemption	$257,440 (+10.07%) Land $17,250 Building $240,190	$257,440 (+10.07%) Land $17,250 Building $240,190
2024	$4,852.00 (+15.3%)
2023		$233,880 (+16.66%) Land $17,250 Building $216,630	$233,880 (+16.66%) Land $17,250 Building $216,630
2022	$4,208.00 Homeowner's exemption	$200,480 Land $9,860 Building $190,620
2021			$200,480 Land $9,860 Building $190,620

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
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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