Black Hawk County property record for 905 Nancy Rd, Waterloo, IA 50701
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 2,101 sqft · built 1980 |
| Lot Size | 0.275 acres (11,970 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $218,000 (Sep 2018) |
| Tax Bill | $6,816 (2025) |
| Deeds & Mortgages | Jul 2020 Line of Credit Sep 2018 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 8813-04-453-023 |
| Primary APN | 8813-04-453-023 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 3 Half Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,101 sqft Living Area |
| 1st Floor Area | 816 sqft |
| Basement Area | 816 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,970 sqft (0.275 acres) |
| Lot Dimensions | 133 ft deep x 90 ft wide |
| Garage Type | Attached |
| Garage Area | 768 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 130 sqft |
| Deck Area | Deck Area |
| Patio Area | 544 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 905 NANCY RD |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50701-5227 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GRANGERS ADDITION LOT 42 |
| Legal Range | 13W |
| Legal Township | 88N |
| Legal Section | 04 |
| Legal Subdivision | GRANGERS ADDITION |
| Legal Lot Number | 42 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 2 |
| Census Block | 2029 |
| Census Tract | 1302 |
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 | 905 NANCY RD, WATERLOO, IA 50701-5227 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 1, 2020 | Deed of Trust, Mortgage · Line of Credit GREENSTATE CU |
| Sep 28, 2018 | Deed of Trust, Mortgage · ARM UNIVERSITY OF IOWA CREDIT UNION |
| Jan 24, 2022 | Deed of Trust, Mortgage · Line of Credit GREENSTATE CU |
| Jun 1, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage GREENSTATE CU |
| Sep 28, 2018 | Warranty Deed, Transfer UNIVERSITY OF IOWA CREDIT UNION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 28, 2018 · Amount on Record |
| Deed Sale | Sep 28, 2018 · Amount on Record |
| Prior Sale | Mar 28, 2016 · Amount on Record |
| Deed Document Number | 2018201900005252 |
| Last Transfer Date | May 15, 2020 |
| Transfer Doc | 0000021042 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 905 NANCY RD, WATERLOO, IA 50701-5227 |
| Transaction Type | Mortgage |
| Record Updated | Aug 9, 2022 |
| Name | Verified Name |
|---|
| Document Number | 202100000070 |
|---|---|
| Date | Jul 1, 2020 |
| Instrument | 202100000070 |
| Name | GREENSTATE CU |
|---|---|
| Type | Credit Union |
| Address | NORTH LIBERTY, IA 52317 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Jun 30, 2025 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 905 NANCY RD, WATERLOO, IA 50701-5227 |
| Transaction Type | Mortgage |
| Record Updated | Aug 9, 2022 |
| Name | Verified Name |
|---|
| Document Number | 201900005253 |
|---|---|
| Date | Sep 28, 2018 |
| Instrument | 201900005253 |
| Name | UNIVERSITY OF IOWA CREDIT UNION |
|---|
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 352 Months |
| Due | Jan 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.6% |
| Type Change Date | Oct 5, 2028 |
| Index | 1-Year CMT |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 905 NANCY RD, WATERLOO, IA 50701-5227 |
| Transaction Type | Mortgage |
| Record Updated | Aug 9, 2022 |
| Name | Verified Name |
|---|
| Document Number | 202200015112 |
|---|---|
| Date | Jan 24, 2022 |
| Instrument | 202200015112 |
| Name | GREENSTATE CU |
|---|---|
| Type | Credit Union |
| Address | NORTH LIBERTY, IA 52317 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Jan 23, 2027 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Jun 1, 2020 |
| Property Address | 905 NANCY RD, WATERLOO, IA 50701-5227 |
| Document Number | 202000021042 |
| Instrument Date | May 15, 2020 |
| Instrument | 202000021042 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 905 NANCY RD, WATERLOO, IA 50701-5227 |
| Document Number | 202000021043 |
|---|---|
| Date | Jun 1, 2020 |
| Instrument | 202000021043 |
| Name | GREENSTATE CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 1, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Sep 28, 2018 |
| Property Address | 905 NANCY RD, WATERLOO, IA 50701-5227 |
| Document Number | 201900005252 |
| Instrument Date | Sep 21, 2018 |
| Instrument | 201900005252 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 905 NANCY RD, WATERLOO, IA 50701-5227 |
| Document Number | 201900005254 |
|---|---|
| Date | Sep 28, 2018 |
| Instrument | 201900005254 |
| Name | UNIVERSITY OF IOWA CREDIT UNION |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 112 Months |
| Due | Jan 1, 2028 |
Source: Black Hawk County assessment roll, as of October 17, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,816.00 (+9.23%) Homeowner's exemption | $344,830 (+15.75%) Land $35,640 Building $309,190 | $344,830 (+15.75%) Land $35,640 Building $309,190 |
| 2024 | $6,240.00 (+21.12%) | ||
| 2023 | $297,900 (+22.34%) Land $35,640 Building $262,260 | $297,900 (+22.34%) Land $35,640 Building $262,260 | |
| 2022 | $5,152.00 Homeowner's exemption | $243,500 Land $35,640 Building $207,860 | |
| 2021 | $243,500 Land $35,640 Building $207,860 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 2 in force |
| Nearby Flood Claims | 2 (2010–2018) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Sep 2018 · other causes |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 91% of Iowa |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 290 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 |
| Verizon Fixed Wireless | 300 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
| CenturyLink DSL | 140 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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