885 Juniper Dr, Waterloo, IA 50702 Property Records

Black Hawk County property record for 885 Juniper Dr, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,370 sqft · built 1977
Lot Size	0.275 acres (12,000 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,218 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Jan 2021 Second Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`8812-07-403-012`

Property Details

APN / Parcel Number

Primary APN	`8812-07-403-012`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,370 sqft Living Area
1st Floor Area	1,110 sqft
Basement Area	1,370 sqft
Finished Basement	600 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
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	692 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	40 sqft
Deck Area	144 sqft
Patio Area	630 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	885 JUNIPER DR
City	WATERLOO
State	IA
Zip	50702-4630
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CEDAR TERRACE FIFTH ADDITION LOT 23
Legal Range	12W
Legal Township	88N
Legal Section	07
Legal Subdivision	CEDAR TERRACE FIFTH ADDITION
Legal Lot Number	23
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR
Census Block Group	1
Census Block	1001
Census Tract	2901

Owner

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

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 File
Mailing Address	885 JUNIPER DR, WATERLOO, IA 50702-4630
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2026	Deed of Trust, Mortgage · Line of Credit FREE STATE CREDIT UNION
Jan 11, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage GREENSTATE CU
Jan 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage GREENSTATE CU
Nov 26, 2018	Deed of Trust, Mortgage UNIVERSITY OF IOWA CREDIT UNION

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Aug 5, 2009
Transfer Doc	2010004057
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 1, 2026
Property Address	885 JUNIPER DR, WATERLOO, IA 50702-4630
Document Number	0000004340
Instrument Date	Mar 27, 2026
Instrument	20264340
Transaction Type	Mortgage
Record Updated	Jul 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	885 JUNIPER DR, WATERLOO, IA 50702-4630

Mortgage

Document Number	0000004340,
Date	Apr 1, 2026
Instrument	20264340

Lender

Name	FREE STATE CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Mar 27, 2041

Interest

Rate Type	Adjustable Rate
Rate	5.44%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	885 JUNIPER DR, WATERLOO, IA 50702-4630
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100014538
Date	Jan 11, 2021
Instrument	202100014538

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 5, 2036

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	885 JUNIPER DR, WATERLOO, IA 50702-4630
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100014537
Date	Jan 11, 2021
Instrument	202100014537

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2036

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	885 JUNIPER DR, WATERLOO, IA 50702-4630
Transaction Type	Mortgage
Record Updated	Dec 20, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900008227
Date	Nov 26, 2018
Instrument	201900008227

Lender

Name	UNIVERSITY OF IOWA CREDIT UNION

Agreement

Amount	Amount Recorded
Term	50 Months
Due	Jan 1, 2023

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	$3,218.00 Homeowner's exemption	$233,410 (-6.67%) Land $20,400 Building $213,010	$233,410 (-6.67%) Land $20,400 Building $213,010
2024	$3,218.00 (+35.1%)
2023		$250,080 (+34.6%) Land $20,400 Building $229,680	$250,080 (+34.6%) Land $20,400 Building $229,680
2022	$2,382.00 Homeowner's exemption	$185,800 Land $20,400 Building $165,400
2021			$185,800 Land $20,400 Building $165,400

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 at the parcel

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 Telecommunications Utility Fiber	10,000 / 10,000
Metronet Holdings Fiber	5,120 / 5,120
Mediacom Communications Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
LTD Broadband Fixed Wireless	150 / 130

May also be available: T-Mobile USA.

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