839 Lisa Dr, Waterloo, IA 50701 Property Records

Black Hawk County property record for 839 Lisa Dr, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,356 sqft · built 1993
Lot Size	0.198 acres (8,614 sqft)
Owner	2 Individual Names on File
Last Sale	$162,500 (Jun 2017)
Tax Bill	$4,406 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Jun 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8813-04-430-007`

Property Details

APN / Parcel Number

Primary APN	`8813-04-430-007`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,356 sqft Living Area
1st Floor Area	1,356 sqft
Basement Area	1,356 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,614 sqft (0.198 acres)
Lot Dimensions	118 ft deep x 73 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Deck Area	224 sqft
Patio Area	224 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	839 LISA DR
City	WATERLOO
State	IA
Zip	50701-5211
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FIFTH ADDITION TO SOUTHRIDGE WATERLOO LOT 115
Legal Range	13W
Legal Township	88N
Legal Section	04
Legal Subdivision	FIFTH ADDITION TO SOUTHRIDGE
Legal Lot Number	115
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2025
Census Tract	1302

Owner

839 Lisa Dr is owned and occupied by two individuals who bought it in June 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	839 LISA DR, WATERLOO, IA 50701-5211
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

Date	Document
Apr 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
Jun 14, 2017	Deed of Trust, Mortgage VERIDIAN CU
Jun 14, 2017	Warranty Deed, Transfer · ARM VERIDIAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 14, 2017 · Amount on File
Deed Sale	Jun 14, 2017 · Amount on File
Deed Document Number	201721982
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	839 LISA DR, WATERLOO, IA 50701-5211
Transaction Type	Mortgage
Record Updated	Nov 22, 2022
Title Company	TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100022471
Date	Apr 26, 2021
Instrument	202100022471

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2036

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	839 LISA DR, WATERLOO, IA 50701-5211
Transaction Type	Mortgage
Record Updated	Nov 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700022028
Date	Jun 14, 2017
Instrument	2017-00022028

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Amount	Amount on Record
Term	84 Months
Due	Jun 5, 2024

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 14, 2017
Property Address	839 LISA DR, WATERLOO, IA 50701-5211
Document Number	201700021982
Instrument Date	Jun 1, 2017
Instrument	2017-00021982
Transaction Type	Transfer
Record Updated	Nov 22, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$259.20
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	839 LISA DR, WATERLOO, IA 50701-5211

Mortgage

Document Number	201700021983
Date	Jun 14, 2017
Instrument	2017-00021983

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2027
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.87%
Index	1-Year LIBOR
Max Rate	9.87%

Tax Assessment & Valuation

The 2025 property tax bill for 839 Lisa Dr was $4,406 with a homeowner's exemption, up 7.9% 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	$4,406.00 (+7.94%) Homeowner's exemption	$226,740 Land $27,450 Building $199,290	$226,740 Land $27,450 Building $199,290
2024	$4,082.00
2023		$198,410 (+21.66%) Land $27,450 Building $170,960	$198,410 Land $27,450 Building $170,960
2022	$3,386.00 Homeowner's exemption	$163,080 Land $27,450 Building $135,630
2021			$163,080 Land $27,450 Building $135,630

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

Flood

FEMA maps place 839 Lisa Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2010.

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.

Wildfire

Wildfire risk around 839 Lisa Dr is low, with less than 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 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.

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 332 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: T-Mobile, Verizon.

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