868 Juniper Dr, Waterloo, IA 50702 Property Records

Black Hawk County property record for 868 Juniper Dr, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,120 sqft · built 1979
Lot Size	0.275 acres (12,000 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,196 (2025)
Deeds & Mortgages	May 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`8812-07-402-010`

Property Details

APN / Parcel Number

Primary APN	`8812-07-402-010`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,120 sqft Living Area
1st Floor Area	1,120 sqft
Basement Area	1,120 sqft
Finished Basement	500 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Exterior Material	Wood Siding
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	520 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area
Patio Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	868 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 4
Legal Range	12W
Legal Township	88N
Legal Section	07
Legal Subdivision	CEDAR TERRACE FIFTH ADDITION
Legal Tract	4
Legal Lot Number	4
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 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	868 JUNIPER DR, WATERLOO, IA 50702-4631
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2024
Deed Sale	Oct 30, 2024
Prior Sale	May 4, 2017 · Amount on Record
Deed Document Number	202422541
Prior Transfer Date	Oct 25, 2024
Prior Transfer Doc	0202422541
Record Updated	Oct 29, 2026

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 4, 2017
Property Address	868 JUNIPER DR, WATERLOO, IA 50702-4631
Document Number	201700019316
Instrument Date	Apr 28, 2017
Instrument	2017-00019316
Transaction Type	Transfer
Record Updated	Nov 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$250.40
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	868 JUNIPER DR, WATERLOO, IA 50702-4631

Mortgage

Document Number	201700019317
Date	May 4, 2017
Instrument	2017-00019317

Lender

Name	UNIVERSITY OF IOWA COMMUNITY CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	May 5, 2047

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2022
Change Frequency	Annually
Min Rate At Change	4.87%
Max Rate At Change	8.25%
Index	1-Year CMT
Max Rate	12.2%

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	$2,196.00 (-17.75%)	$184,600 (-7.24%) Land $20,400 Building $164,200	$184,600 (-7.24%) Land $20,400 Building $164,200
2024	$2,670.00 (+32.05%)
2023		$199,010 (+32.46%) Land $20,400 Building $178,610	$199,010 (+32.46%) Land $20,400 Building $178,610
2022	$2,022.00	$150,240 Land $20,400 Building $129,840
2021			$150,240 Land $20,400 Building $129,840

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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