914 Nancy Rd, Waterloo, IA 50701 Property Records

Black Hawk County property record for 914 Nancy Rd, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,806 sqft · built 1978
Lot Size	0.275 acres (11,970 sqft)
Owner	Individual Name on Record
Last Sale	$274,000 (Aug 2023)
Tax Bill	$5,666 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8813-04-452-010`

Property Details

APN / Parcel Number

Primary APN	`8813-04-452-010`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	1,806 sqft Living Area
1st Floor Area	1,806 sqft
Basement Area	1,806 sqft
Finished Basement	300 sqft
Unfinished Basement	1,806 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Split Level
Exterior Material	Vinyl
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
Patio Area	352 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	914 NANCY RD
City	WATERLOO
State	IA
Zip	50701-5226
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GRANGERS ADDITION LOT 30
Legal Range	13W
Legal Township	88N
Legal Section	04
Legal Subdivision	GRANGERS ADDITION
Legal Lot Number	30
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2030
Census Tract	1302

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	914 NANCY RD, WATERLOO, IA 50701-5226
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2023 · Amount on Record
Deed Sale	Aug 1, 2023 · Amount on Record
Prior Sale	Aug 1, 2022 · Amount on Record
Deed Document Number	20231766
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Aug 1, 2022
Property Address	914 NANCY RD, WATERLOO, IA 50701-5226
Document Number	202300001766
Instrument Date	Jul 28, 2022
Instrument	202300001766
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$437.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	914 NANCY RD, WATERLOO, IA 50701-5226

Mortgage

Document Number	202300001767
Date	Aug 1, 2022
Instrument	202300001767

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Type Change Date	Aug 1, 2032
Change Frequency	Annually
Min Rate At Change	3.12%
Max Rate At Change	7.12%
Index	1-Year CMT
Max Rate	11.1%

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	$5,666.00 (+8.88%) Homeowner's exemption	$288,530 (+15.35%) Land $35,640 Building $252,890	$288,530 (+15.35%) Land $35,640 Building $252,890
2024	$5,204.00 (+21.59%)
2023		$250,140 (+22.79%) Land $35,640 Building $214,500	$250,140 (+22.79%) Land $35,640 Building $214,500
2022	$4,280.00 Homeowner's exemption	$203,720 Land $35,640 Building $168,080
2021			$203,720 Land $35,640 Building $168,080

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 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.

Wildfire

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.

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 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