97 Joy Dr, Waterloo, IA 50701 Property Records

Black Hawk County property record for 97 Joy Dr, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,386 sqft · built 1941
Lot Size	0.326 acres (14,220 sqft)
Owner	Individual Name on File
Last Sale	$75,500 (Aug 2016)
Tax Bill	$3,482 (2025)
Deeds & Mortgages	Nov 2017 Mortgage Sep 2020 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8913-21-203-015`

Property Details

APN / Parcel Number

Primary APN	`8913-21-203-015`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,386 sqft Living Area
1st Floor Area	956 sqft
Attic	Attic
Attic Area	430 sqft
Basement Area	956 sqft
Unfinished Basement	956 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1941
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,220 sqft (0.326 acres)
Lot Dimensions	237 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces
Deck Area	120 sqft
Patio Area	344 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	97 JOY DR
City	WATERLOO
State	IA
Zip	50701-1819
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CLYDE MILLER HEIGHTS IN CASTLE HILL ALL LOT 9 BLK 2 EXC COM ON S LINE 20 FT W OF SE COR TH E TO SE COR TH N TO NE COR TH SLY
Legal Range	13W
Legal Township	89N
Legal Section	21
Legal Subdivision	CLYDE MILLER HEIGHTS
Legal Block	2
Legal Lot Number	9
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	3
Census Block	3007
Census Tract	1503

Owner

97 Joy Dr is owned and occupied by an individual who bought it in August 2016.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	97 JOY DR, WATERLOO, IA 50701-1819
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 27, 2017	Deed of Trust, Mortgage MIDWEST ONE BANK
Sep 9, 2020	Quit Claim Deed, Transfer Quitclaim
Jul 22, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage VERIDIAN CREDIT UNION
Apr 17, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 25, 2016 · Amount on File
Deed Sale	Aug 25, 2016 · Amount on File
Prior Sale	Jun 27, 2016 · Amount on File
Deed Document Number	20162017-00003760
Prior Transfer Date	Mar 16, 2007
Prior Transfer Doc	2007019615
Record Updated	Oct 29, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	97 JOY DR, WATERLOO, IA 50701-1819
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800009081
Date	Nov 27, 2017
Instrument	2018-00009081

Lender

Name	MIDWEST ONE BANK
Address	CEDAR FALLS, IA 50613

Agreement

Amount	Amount on Record
Term	240 Months
Due	Nov 27, 2037

Interest

Rate Type	Adjustable Rate

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 9, 2020
Property Address	97 JOY DR, WATERLOO, IA 50701-1819
Document Number	202100005188
Instrument Date	Aug 31, 2020
Instrument	202100005188
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	713 6TH ST, TRAER, IA 50675-1307

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jul 22, 2019
Property Address	97 JOY DR, WATERLOO, IA 50701-1819
Document Number	202000001318
Instrument Date	Jul 19, 2019
Instrument	202000001318
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	907 JOY DR, WATERLOO, IA 50701

Mortgage

Document Number	202000001319
Date	Jul 22, 2019
Instrument	202000001319

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

April 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 17, 2017
Property Address	97 JOY DR, WATERLOO, IA 50701-1819
Document Number	201700018097
Instrument Date	Apr 17, 2017
Instrument	2017-00018097
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1222 UPTON AVE, 1222, WATERLOO, IA 50701-1960

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1222 UPTON AVE, WATERLOO, IA 50701-1960

Tax Assessment & Valuation

The 2025 property tax bill for 97 Joy Dr was $3,482 with a homeowner's exemption, up 4.1% 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	$3,482.00 (+4.06%) Homeowner's exemption	$181,460 Land $24,150 Building $157,310	$181,460 Land $24,150 Building $157,310
2024	$3,346.00
2023		$164,440 (+20.41%) Land $24,150 Building $140,290	$164,440 Land $24,150 Building $140,290
2022	$2,804.00 Homeowner's exemption	$136,570 Land $24,150 Building $112,420
2021			$136,570 Land $24,150 Building $112,420

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 97 Joy Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2013.

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 Claims	1 (2013)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2013 · tidal / storm surge

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 97 Joy Dr is low, with less than 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 99.1% of the US · lower than 91% 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.

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 342 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
CenturyLink DSL	140 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

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