863 Grindstone Cir, Waterloo, IA 50702 Property Records

Black Hawk County property record for 863 Grindstone Cir, Waterloo, IA 50702

Property Summary

Property Type	Condominium
Details	2 bd · 3 ba · 1,054 sqft · built 2019
Lot Size	0.113 acres (4,929 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (May 2023)
Tax Bill	$4,180 (2025)
Deeds & Mortgages	May 2023 Second Mortgage May 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8813-11-204-022`

Property Details

APN / Parcel Number

Primary APN	`8813-11-204-022`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,054 sqft Living Area
1st Floor Area	512 sqft
Basement Area	542 sqft
Finished Basement	256 sqft
Unfinished Basement	542 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Condo/Apartment
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,929 sqft (0.113 acres)
Garage Type	Attached
Garage Area	427 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	24 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	863 GRINDSTONE CIR
City	WATERLOO
State	IA
Zip	50702-1210
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	PRAIRIE MEADOW ESTATES A CONDOMINIUM UNIT 863
Legal Range	13W
Legal Township	88N
Legal Section	11
Legal Subdivision	PRAIRIE MEADOW ESTATES A CONDOMINIUM
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2074
Census Tract	900

Owner

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	Individual Name on Record
Mailing Address	863 GRINDSTONE CIR, WATERLOO, IA 50702-1210
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 26, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage GREENSTATE CU
May 15, 2023	Deed of Trust, Mortgage · Commercial Mortgage HILLS BANK AND TRUST CO
May 26, 2023	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 26, 2023 · Amount on Record
Deed Sale	May 26, 2023 · Amount on Record
Deed Document Number	202315861
Prior Transfer Date	May 12, 2023
Prior Transfer Doc	0000015272
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	863 GRINDSTONE CIR, WATERLOO, IA 50702-1210
Transaction Type	Mortgage
Record Updated	Jun 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202300015863
Date	May 26, 2023
Instrument	202300015863

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jun 5, 2033

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	863 GRINDSTONE CIR, WATERLOO, IA 50702-1210
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3315 WILLIAMS BLVD SW, CEDAR RAPIDS, IA 52404-1478

Mortgage

Document Number	202300015241
Date	May 15, 2023
Instrument	202300015241

Lender

Name	HILLS BANK AND TRUST CO
Type	Bank
Address	HILLS, IA 52235

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 26, 2023
Property Address	863 GRINDSTONE CIR, WATERLOO, IA 50702-1210
Document Number	202300015861
Map Reference	DOC 2017-11285
Instrument Date	May 17, 2023
Instrument	202300015861
Transaction Type	Transfer
Record Updated	Oct 17, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$319.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	863 GRINDSTONE CIR, WASHBURN, IA 50702-1210

Mortgage

Document Number	202300015862
Date	May 26, 2023
Instrument	202300015862

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 5, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.62%
Type Change Date	Jun 1, 2030
Change Frequency	Annually
Min Rate At Change	4.87%
Max Rate At Change	8.62%
Index	1-Year T-Bill
Max Rate	12.6%

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	$4,180.00 (+1,017.65%)	$204,770 (+1,087.07%) Land $17,250 Building $187,520	$204,770 (+8.54%) Land $17,250 Building $187,520
2024	$374.00 (+73.15%)
2023		$17,250 (+74.95%) Land $17,250	$188,660 (+17.16%)
2022	$216.00	$9,860 Land $9,860
2021			$161,030

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	7 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 97% of the US · lower than 76% of Iowa
Wildfire Likelihood	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 157 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: Verizon.

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