823 Sonya Dr, Waterloo, IA 50702 Property Records

Black Hawk County property record for 823 Sonya Dr, Waterloo, IA 50702

Property Summary

Property Type	Condominium
Details	2 bd · 1.5 ba · 1,056 sqft · built 1981
Lot Size	0.066 acres (2,880 sqft)
Owner	Individual Name on Record
Last Sale	$155,500 (Jun 2025)
Tax Bill	$2,682 (2025)
Deeds & Mortgages	Jun 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8813-03-476-024`

Property Details

APN / Parcel Number

Primary APN	`8813-03-476-024`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,056 sqft Living Area
1st Floor Area	1,056 sqft
Basement Area	1,056 sqft
Finished Basement	425 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Condo/Apartment
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Flat
Roof Material	Built-Up Asphalt
Lot Area	2,880 sqft (0.066 acres)
Deck Area	144 sqft
Patio Area	176 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	823 SONYA DR
City	WATERLOO
State	IA
Zip	50702-5637
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	SUN VILLA I CONDOMINIUM UNIT 823
Legal Range	13W
Legal Township	88N
Legal Section	03
Legal Subdivision	SUN VILLA I CONDOMINIUM
Legal Lot Number	823
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2009
Census Tract	1301

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	823 SONYA DR, WATERLOO, IA 50702-5637
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 20, 2025 · Amount on Record
Deed Sale	Jun 20, 2025 · Amount on Record
Prior Sale	May 2, 2006 · Amount on Record
Deed Document Number	20258818
Record Updated	Oct 29, 2026

June 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 20, 2025
Property Address	823 SONYA DR, WATERLOO, IA 50702-5637
Document Number	0202508818
Instrument Date	Jan 17, 2025
Instrument	2025-08818
Transaction Type	Transfer
Record Updated	Oct 21, 2025
Title Company	TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$248.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	823 SONYA DR, WATERLOO, IA 50702-5637

Mortgage

Document Number	0202508819
Date	Jun 20, 2025
Instrument	2025-08819

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2055

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	$2,682.00 (+23.03%) Homeowner's exemption	$131,400 (-1.12%) Land $5,760 Building $125,640	$131,400 (-1.12%) Land $5,760 Building $125,640
2024	$2,180.00 (+7.71%)
2023		$132,890 (+27.26%) Land $5,760 Building $127,130	$132,890 (+27.26%) Land $5,760 Building $127,130
2022	$2,024.00 Homeowner's exemption	$104,420 Land $4,320 Building $100,100
2021			$104,420 Land $4,320 Building $100,100

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	5 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 99.8% of the US · lower than 98.1% 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.

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 164 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
T-Mobile Fixed Wireless	100 / 20