Black Hawk County property record for 844 Nancy Rd, Waterloo, IA 50701
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,200 sqft · built 1976 |
| Lot Size | 0.223 acres (9,709 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $151,500 (Dec 2012) |
| Tax Bill | $4,474 (2025) |
| Deeds & Mortgages | Apr 2026 Construction Loan Mar 2021 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 8813-04-452-007 |
| Primary APN | 8813-04-452-007 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,200 sqft Living Area |
| 1st Floor Area | 1,200 sqft |
| Basement Area | 1,200 sqft |
| Finished Basement | 800 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Split Foyer |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 9,709 sqft (0.223 acres) |
| Lot Dimensions | 133 ft deep x 73 ft wide |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 20 sqft |
| Deck Area | 168 sqft |
| Patio Area | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 844 NANCY RD |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50701-5206 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THIRD ADDITION TO SOUTHRIDGE LOT 88 |
| Legal Range | 13W |
| Legal Township | 88N |
| Legal Section | 04 |
| Legal Subdivision | THIRD ADDITION TO SOUTHRIDGE |
| Legal Lot Number | 88 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 2 |
| Census Block | 2030 |
| Census Tract | 1302 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 844 NANCY RD, WATERLOO, IA 50701-5206 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 2, 2026 | Deed of Trust, Mortgage · Construction Mortgage CEDAR FALLS COMMUNITY CREDIT UNION |
| Mar 24, 2021 | Deed of Trust, Mortgage · Line of Credit CEDAR FALLS COMMUNITY CU |
| Mar 8, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CEDAR FALLS COMMUNITY CU |
| Mar 31, 2020 | Deed of Trust, Mortgage · Line of Credit VERIDIAN CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 4, 2012 · Amount on Record |
| Deed Sale | Dec 4, 2012 · Amount on Record |
| Deed Document Number | 20122013011451 |
| Prior Transfer Date | Jan 30, 2009 |
| Prior Transfer Doc | 2009014521 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Apr 2, 2026 |
| Property Address | 844 NANCY RD, WATERLOO, IA 50701-5206 |
| Document Number | 0000004381 |
| Instrument Date | Mar 24, 2026 |
| Instrument | 20264381 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 844 NANCY RD, WATERLOO, IA 50701-5206 |
| Investor | Possibly a Property Investor |
| Document Number | 0000004381, |
|---|---|
| Date | Apr 2, 2026 |
| Instrument | 20264381 |
| Name | CEDAR FALLS COMMUNITY CREDIT UNION |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Mar 30, 2027 |
| Rate Type | Balloon |
|---|---|
| Rate | 5.98% |
| Initial Type | Balloon |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 844 NANCY RD, WATERLOO, IA 50701-5206 |
| Transaction Type | Mortgage |
| Record Updated | Apr 6, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202100019948 |
|---|---|
| Date | Mar 24, 2021 |
| Instrument | 202100019948 |
| Name | CEDAR FALLS COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | CEDAR FALLS, IA 50613 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 844 NANCY RD, WATERLOO, IA 50701-5206 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202100018706 |
|---|---|
| Date | Mar 8, 2021 |
| Instrument | 202100018706 |
| Name | CEDAR FALLS COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | CEDAR FALLS, IA 50613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 844 NANCY RD, WATERLOO, IA 50701-5206 |
| Transaction Type | Mortgage |
| Record Updated | Jul 10, 2020 |
| Name | Verified Name |
|---|
| Document Number | 202000016899 |
|---|---|
| Date | Mar 31, 2020 |
| Instrument | 202000016899 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | WATERLOO, IA 50704 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Mar 30, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Black Hawk County assessment roll, as of October 17, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,474.00 (+7.76%) Homeowner's exemption | $230,100 (+14.11%) Land $28,910 Building $201,190 | $230,100 (+14.11%) Land $28,910 Building $201,190 |
| 2024 | $4,152.00 (+19.72%) | ||
| 2023 | $201,640 (+20.88%) Land $28,910 Building $172,730 | $201,640 (+20.88%) Land $28,910 Building $172,730 | |
| 2022 | $3,468.00 Homeowner's exemption | $166,810 Land $28,910 Building $137,900 | |
| 2021 | $166,810 Land $28,910 Building $137,900 |
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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