Black Hawk County property record for 99 Joy Dr, Waterloo, IA 50701
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,436 sqft · built 1940 |
| Lot Size | 0.435 acres (18,960 sqft) |
| Owner | Company Name on Record |
| Last Sale | $100,000 (Oct 2022) |
| Tax Bill | $3,798 (2025) |
| Deeds & Mortgages | Jul 2021 Foreclosure Dec 2018 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 8913-21-203-014 |
| Primary APN | 8913-21-203-014 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,436 sqft Living Area |
| 1st Floor Area | 875 sqft |
| Attic | Attic |
| Attic Area | 481 sqft |
| Basement Area | 955 sqft |
| Finished Basement | 125 sqft |
| Unfinished Basement | 955 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 18,960 sqft (0.435 acres) |
| Lot Dimensions | 240 ft deep x 98 ft wide |
| Garage Type | Detached |
| Garage Area | 780 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 25 sqft |
| Patio Area | 216 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 99 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 LOT 8 BLK 2 PART OF LOT 9 BLK 2 COM ON S LINE LOT 9 20 FT W OF SE COR TH ELY 20 FT TO SE |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 21 |
| Legal Subdivision | CLYDE MILLER HEIGHTS |
| Legal Block | 2 |
| Legal Lot Number | 8,9 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 1503 |
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 | Company Name on Record |
|---|---|
| Mailing Address | PO BOX 56, WATERLOO, IA 50704-0056 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Jul 12, 2021 | Sheriff's Deed, Foreclosure |
| Dec 27, 2018 | Deed of Trust, Mortgage · Stand-Alone Refinance UNIVERSITY OF IOWA CREDIT UNION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 21, 2022 · Amount on Record |
| Deed Sale | Oct 21, 2022 · Amount on Record |
| Prior Sale | Oct 21, 2021 · Amount on Record |
| Deed Document Number | 20228665 |
| Record Updated | Oct 29, 2026 |
| Document Type | Sheriff's Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Jul 12, 2021 |
| Property Address | 99 JOY DR, WATERLOO, IA 50701-1819 |
| Document Number | 202200000713 |
| Instrument Date | Jun 30, 2021 |
| Instrument | 202200000713 |
| Transaction Type | Foreclosure |
| Record Updated | Jul 21, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 800, NORTH LIBERTY, IA 52317-0800 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 99 JOY DR, WATERLOO, IA 50701-1819 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2019 |
| Name | Verified Name |
|---|
| Document Number | 201900009800 |
|---|---|
| Date | Dec 27, 2018 |
| Instrument | 201900009800 |
| Name | UNIVERSITY OF IOWA CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 49 Months |
| Due | Jan 1, 2023 |
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 | $3,798.00 (+3.15%) | $186,070 (+9.6%) Land $34,350 Building $151,720 | $186,070 (+9.6%) Land $34,350 Building $151,720 |
| 2024 | $3,682.00 (+18.93%) | ||
| 2023 | $169,770 (+20.46%) Land $34,350 Building $135,420 | $169,770 (+20.46%) Land $34,350 Building $135,420 | |
| 2022 | $3,096.00 | $140,930 Land $34,350 Building $106,580 | |
| 2021 | $140,930 Land $34,350 Building $106,580 |
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 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.
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 273 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 |
| GigFire Fixed Wireless | 150 / 130 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| Nextlink Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures