873 Grindstone Cir, Waterloo, IA 50702 Property Records

Black Hawk County property record for 873 Grindstone Cir, Waterloo, IA 50702

Property Summary

Property Type	Condominium
Details	2 bd · 3 ba · 1,054 sqft · built 2020
Lot Size	0.113 acres (4,929 sqft)
Owner	Individual Name on File
Last Sale	$200,000 (Aug 2024)
Tax Bill	$4,218 (2025)
Deeds & Mortgages	May 2026 Line of Credit Aug 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8813-11-204-024`

Property Details

APN / Parcel Number

Primary APN	`8813-11-204-024`

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 2020
Effective Year Built	Effective 2020
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	873 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 873
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

873 Grindstone Cir, a condominium, is owned and occupied by an individual who bought it in August 2024.

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

Owner of Record	Individual Name on File
Mailing Address	873 GRINDSTONE CIR, WATERLOO, IA 50702-1210
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
May 1, 2026	Deed of Trust, Mortgage · Line of Credit CEDAR FALLS COMMUNITY CREDIT UNION
Aug 16, 2023	Warranty Deed, Transfer · Conventional Mortgage CEDAR FALLS COMMUNITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 16, 2024 · Amount on File
Deed Sale	Aug 16, 2024 · Amount on File
Prior Sale	Aug 16, 2023 · Amount on File
Deed Document Number	20242287
Prior Transfer Date	May 12, 2023
Prior Transfer Doc	0000015272
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Recording Date	May 1, 2026
Property Address	873 GRINDSTONE CIR, WATERLOO, IA 50702-1210
Document Number	0000006181
Instrument Date	Apr 24, 2026
Instrument	20266181
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	873 GRINDSTONE CIR, WATERLOO, IA 50702-1210
Investor	Possibly a Property Investor

Mortgage

Document Number	0000006181,
Date	May 1, 2026
Instrument	20266181

Lender

Name	CEDAR FALLS COMMUNITY CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Apr 28, 2051

Interest

Rate	6.38%
Max Rate	-1%

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Aug 16, 2023
Property Address	873 GRINDSTONE CIR, WATERLOO, IA 50702-1210
Document Number	202400002287
Map Reference	DOC 2017-11285
Instrument Date	Aug 4, 2023
Instrument	202400002287
Transaction Type	Transfer
Record Updated	Oct 17, 2025

Transaction

Amount	Amount on Record
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	873 GRINDSTONE CIR, WASHBURN, IA 50702-1210

Mortgage

Document Number	202400002288
Date	Aug 16, 2023
Instrument	202400002288

Lender

Name	CEDAR FALLS COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 873 Grindstone Cir was $4,218, up 1,027.8% 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	$4,218.00 (+1,027.81%)	$206,710 Land $17,250 Building $189,460	$206,710 Land $17,250 Building $189,460
2024	$374.00
2023		$17,250 (+74.95%) Land $17,250	$188,660
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

FEMA maps place 873 Grindstone Cir in Zone X, an area of minimal flood risk.

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

Wildfire risk around 873 Grindstone Cir is low, with 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 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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