860 Juniper Dr, Waterloo, IA 50702 Property Records

Black Hawk County property record for 860 Juniper Dr, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,864 sqft · built 1980
Lot Size	0.275 acres (12,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$325,000 (Apr 2026)
Tax Bill	$3,552 (2025)
Deeds & Mortgages	May 2020 Mortgage Jan 2020 Refinance + 6 more
Flood Zone	Zone AE (high risk)
APN	`8812-07-402-009`

Property Details

APN / Parcel Number

Primary APN	`8812-07-402-009`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Building Area	1,864 sqft Living Area
1st Floor Area	1,032 sqft
Basement Area	516 sqft
Finished Basement	450 sqft
Unfinished Basement	516 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Split Level
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	432 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	382 sqft
Deck Area	206 sqft
Patio Area	458 sqft
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	860 JUNIPER DR
City	WATERLOO
State	IA
Zip	50702-4631
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CEDAR TERRACE FIFTH ADDITION LOT 5
Legal Range	12W
Legal Township	88N
Legal Section	07
Legal Subdivision	CEDAR TERRACE FIFTH ADDITION
Legal Lot Number	5
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR
Census Block Group	1
Census Block	1027
Census Tract	2901

Owner

Source: Black Hawk County records, as of July 6, 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	860 JUNIPER DR, WATERLOO, IA 50702-4631
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage DAS ACQUISITION
Jan 14, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance GREENSTATE CREDIT UNION
Oct 28, 2024	Deed of Trust, Mortgage · Line of Credit GREENSTATE CU
Aug 16, 2010	Deed of Trust, Mortgage VERIDIAN CU
Jan 25, 2009	Deed of Trust, Mortgage · Conventional Mortgage COUNTRYWIDE BANK FSB
Apr 26, 2007	Deed of Trust, Mortgage · Conventional Mortgage CONCORD MORTGAGE CO
Apr 15, 2026	Warranty Deed, Transfer · Conventional Mortgage FREE STATE CREDIT UNION
Apr 15, 2026	Warranty Deed, Transfer · Conventional Mortgage FREE STATE CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 2026 · Amount on Record
Deed Sale	Apr 15, 2026 · Amount on Record
Deed Document Number	20265264
Record Updated	Sep 20, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	860 JUNIPER DR, WATERLOO, IA 50702-4631
Transaction Type	Mortgage
Record Updated	Apr 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	202000020832
Date	May 28, 2020
Instrument	202000020832

Lender

Name	DAS ACQUISITION
Type	Mortgage Company
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2035

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	860 JUNIPER DR, WATERLOO, IA 50702-4631
Transaction Type	Mortgage
Record Updated	Apr 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	20202000012505
Date	Jan 14, 2020
Instrument	20202000012505

Lender

Name	GREENSTATE CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2035

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	860 JUNIPER DR, WATERLOO, IA 50702-4631
Transaction Type	Mortgage
Record Updated	Apr 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0202422440
Date	Oct 28, 2024
Instrument	2024-22440

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	PO BOX 800, NORTH LIBERTY, IA 52317

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Oct 27, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	860 JUNIPER DR, WATERLOO, IA 50702-4631
Transaction Type	Mortgage
Record Updated	Apr 24, 2026
Title Company	BLACK HAWK COUNTY ABSTRACT, BLACK HAWK CONTY ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0201102923
Date	Aug 16, 2010
Instrument	201102923

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Amount	Amount Recorded

January 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	860 JUNIPER DR, WATERLOO, IA 50702-4631
Transaction Type	Mortgage
Record Updated	Apr 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	2009013607
Date	Jan 25, 2009
Instrument	2009013607

Lender

Name	COUNTRYWIDE BANK FSB
Type	Bank
Address	ALEXANDRIA, VA 22314

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2024

April 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	860 JUNIPER DR, WATERLOO, IA 50702-4631
Transaction Type	Mortgage
Record Updated	Apr 24, 2026
Title Company	ALL AMERICAN ESCROW AND TITLE, ALL AMERICAN ESCROW & TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	2007022472
Date	Apr 26, 2007
Instrument	2007022472

Lender

Name	CONCORD MORTGAGE CO
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85260

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2037

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 15, 2026
Property Address	860 JUNIPER DR, WATERLOO, IA 50702-4631
Document Number	0000005264
Instrument Date	Apr 8, 2026
Instrument	20265264
Transaction Type	Transfer
Record Updated	Apr 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$52,439.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	860 JUNIPER DR, WATERLOO, IA 50702-4631

Mortgage

Document Number	0000005265,
Date	Apr 15, 2026
Instrument	20265265

Lender

Name	FREE STATE CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 15, 2026
Property Address	860 JUNIPER DR, WATERLOO, IA 50702-4631
Document Number	0202605264
Instrument Date	Apr 8, 2026
Instrument	20265264
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$52,439.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	860 JUNIPER DR, WATERLOO, IA 50702-4631

Mortgage

Document Number	0000005265,
Date	Apr 15, 2026
Instrument	20265265

Lender

Name	FREE STATE CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Black Hawk County assessment roll, as of October 17, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,552.00 Homeowner's exemption	$255,070 (-7.26%) Land $20,400 Building $234,670	$255,070 (-7.26%) Land $20,400 Building $234,670
2024	$3,552.00 (+33.94%)
2023		$275,030 (+33.63%) Land $20,400 Building $254,630	$275,030 (+33.63%) Land $20,400 Building $254,630
2022	$2,652.00 Homeowner's exemption	$205,820 Land $20,400 Building $185,420
2021			$205,820 Land $20,400 Building $185,420

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 49 policies
Nearby Flood Policies	49 in force
Nearby Flood Claims	118 (1978–2016)
Claims Outside the SFHA	11 of 118
Most Recent Claim	Sep 2016 · Severe Storms And Flooding
Claims by Event	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

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 97% of the US · lower than 76% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 220 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	1,000 / 50
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130

May also be available: T-Mobile.

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