813 Juniper Dr, Waterloo, IA 50702 Property Records

Black Hawk County property record for 813 Juniper Dr, Waterloo, IA 50702 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,520 sqft · built 2005
Lot Size	0.275 acres (12,000 sqft)
Owner	2 Individual Names on File
Last Sale	$304,500 (Mar 2024)
Tax Bill	$3,792 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Mar 2024 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`8812-07-403-003`

Property Details

APN / Parcel Number

Primary APN	`8812-07-403-003`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,520 sqft Living Area
1st Floor Area	1,520 sqft
Basement Area	1,520 sqft
Finished Basement	825 sqft
Unfinished Basement	1,520 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,000 sqft (0.275 acres)
Lot Dimensions	150 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Deck Area	100 sqft
Patio Area	40 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	813 JUNIPER DR
City	WATERLOO
State	IA
Zip	50702-4630
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CEDAR TERRACE FIFTH ADDITION LOT 14
Legal Range	12W
Legal Township	88N
Legal Section	07
Legal Subdivision	CEDAR TERRACE FIFTH ADDITION
Legal Lot Number	14
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR
Census Block Group	1
Census Block	1001
Census Tract	2901

Owner

Source: Black Hawk County records · APN 8812-07-403-003

Assessment roll updated October 17, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	813 JUNIPER DR, WATERLOO, IA 50702-4630
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 25, 2025	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Mar 18, 2024	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 18, 2024 · Amount on Record
Deed Sale	Mar 18, 2024 · Amount on Record
Prior Sale	Jun 27, 2006 · Amount on Record
Deed Document Number	202411296
Prior Transfer Date	Mar 05, 2024
Prior Transfer Doc	0000011296
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	813 JUNIPER DR, WATERLOO, IA 50702-4630
Transaction Type	Mortgage
Record Updated	Dec 04, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	813 JUNIPER DR, WATERLOO, IA 50702-4630

Mortgage

Document Number	0202517411
Date	Nov 25, 2025
Instrument	2025-17411

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	PO BOX 6000, WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Dec 05, 2035

Interest

Change Frequency	Monthly

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Mar 18, 2024
Property Address	813 JUNIPER DR, WATERLOO, IA 50702-4630
Document Number	202400011296
Instrument Date	Mar 05, 2024
Instrument	202400011296
Transaction Type	Transfer
Record Updated	Apr 15, 2024

Transaction

Amount	Amount Recorded
Tax	$486.40
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	813 JUNIPER DR, WATERLOO, IA 50702-4630

Mortgage

Document Number	202400011297
Date	Mar 18, 2024
Instrument	202400011297

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Adjustable	Adjustable Rate Rider
Change Frequency	Annually
Min Rate At Change	4.37%
Max Rate At Change	8.37%
Index	1-Year CMT
Max Rate	12.3%

Mortgage

Document Number	202400011297
Date	Mar 18, 2024
Instrument	202400011297

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	1827 ANSBOROUGH AVE, WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 01, 2029
Change Frequency	Annually
Min Rate At Change	4.37%
Max Rate At Change	8.37%
Index	1-Year CMT
Max Rate	12.3%

Tax Assessment & Valuation

Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Iowa
County	Black Hawk County
Unified School District	Waterloo Community School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,792.00 Homeowner's exemption	$297,090 (+1.43%) Land $32,640 Building $264,450	$297,090 (+1.43%) Land $32,640 Building $264,450
2024	$3,792.00
2023		$292,910	$292,910

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Black Hawk County (19013C), updated September 27, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 190130029011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 49 individual NFIP policies nearby
Nearby Flood Policies	49 in force
Nearby Flood Claims	118 (1978–2016)
Claims Outside the SFHA	11 of 118
Most Recent Claim	Sep 2016, river or lake flooding, Severe Storms And Flooding
Claims By Storm	Severe Storms And Flooding, Sep 2016 · 39 claims Severe Storms, Flooding, And Tornadoes, Jul 2010 · 14 claims Severe Storms, Tornadoes, And Flooding, Jun 2008 · 51 claims

Wildfire

Wildfire Risk	Low above 3% of the US · above 24% of Iowa
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 220 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Waterloo Telecommunications Utility	Fiber	10,000 / 10,000
Metronet Holdings	Fiber	5,120 / 5,120
Mediacom Communications	Cable	1,000 / 50
Verizon	Fixed Wireless	300 / 20
LTD Broadband	Fixed Wireless (licensed-by-rule)	150 / 130

May also be available at this address: T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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