Black Hawk County property record for 823 Nancy Rd, Waterloo, IA 50701
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,258 sqft · built 1975 |
| Lot Size | 0.222 acres (9,709 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $196,000 (Nov 2021) |
| Deeds & Mortgages | Dec 2019 Refinance Nov 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 8813-04-453-028 |
| Primary APN | 8813-04-453-028 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,258 sqft Living Area |
| Basement Area | 1,258 sqft |
| Finished Basement | 600 sqft |
| Flooring | Combination, Other |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1975 |
|---|---|
| Architectural Style | A-Frame |
| Exterior Material | Aluminum Siding |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,709 sqft (0.222 acres) |
| Lot Dimensions | 133 ft deep x 73 ft wide |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 130 sqft |
| Patio Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 823 NANCY RD |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50701-5205 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THIRD ADDITION TO SOUTHRIDGE LOT 82 |
| Legal Range | 13 |
| Legal Township | 88 |
| Legal Section | 04 |
| Legal Subdivision | THIRD ADDITION TO SOUTHRIDGE |
| Legal Lot Number | 82 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 2 |
| Census Block | 2029 |
| Census Tract | 1302 |
Source: Black Hawk County records, as of October 16, 2025
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 823 NANCY RD, WATERLOO, IA 50701-5205 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 9, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance GREENSTATE CREDIT UNION |
| Nov 19, 2021 | Warranty Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| May 5, 2020 | Warranty Deed, Transfer · Conventional Mortgage FARMERS STATE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 19, 2021 · Amount on Record |
| Deed Sale | Nov 19, 2021 · Amount on Record |
| Prior Sale | May 5, 2020 · Amount on Record |
| Deed Document Number | 202200010853 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 823 NANCY RD, WATERLOO, IA 50701-5205 |
| Transaction Type | Mortgage |
| Record Updated | Jul 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 202000010434 |
|---|---|
| Date | Dec 9, 2019 |
| Instrument | 202000010434 |
| Name | GREENSTATE CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Nov 19, 2021 |
| Property Address | 823 NANCY RD, WATERLOO, IA 50701-5205 |
| Document Number | 202200010853 |
| Instrument Date | Nov 11, 2021 |
| Instrument | 202200010853 |
| Transaction Type | Transfer |
| Record Updated | Jul 8, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $312.80 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Document Number | 202200010854 |
|---|---|
| Date | Nov 19, 2021 |
| Instrument | 202200010854 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | May 5, 2020 |
| Property Address | 823 NANCY RD, WATERLOO, IA 50701-5205 |
| Document Number | 202000019168 |
| Instrument Date | Mar 2, 2020 |
| Instrument | 202000019168 |
| Transaction Type | Transfer |
| Record Updated | Jul 8, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $303.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 823 NANCY RD, WATERLOO, IA 50701-5205 |
| Document Number | 202000019169 |
|---|---|
| Date | May 5, 2020 |
| Instrument | 202000019169 |
| Name | FARMERS STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.37% |
| Type Change Date | Jun 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 6.37% |
| Max Rate At Change | 10.3% |
| Index | 1-Year LIBOR |
| Max Rate | 10.3% |
| Document Number | 202000019170 |
|---|---|
| Date | May 5, 2020 |
| Instrument | 202000019170 |
| Name | FARMERS STATE BANK |
|---|---|
| Type | Bank |
| Address | WATERLOO, IA 50701 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 1, 2035 |
Source: Black Hawk County assessment roll, as of May 1, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community School District (PK - 12) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2025 | $214,300 (+13.94%) Land $28,910 Building $185,390 | $214,300 (+13.94%) Land $28,910 Building $185,390 |
| 2023 | $188,080 Land $28,910 Building $159,170 | $188,080 Land $28,910 Building $159,170 |
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 | 2 in force |
| Nearby Flood Claims | 2 (2010–2018) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Sep 2018 · other causes |
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 99.1% of the US · lower than 91% 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 290 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 |
| CenturyLink DSL | 140 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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