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Single Family ResidenceResidential
$237,944$219 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 92How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $186,000 on Nov 15, 2023

3039 SARATOGA DR

WATERLOO, IA 50702
5
Beds
2 / 1
Baths
1,085 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.23 ac
Lot SizeThe size of the land the home sits on, from county records.
1969
Year BuiltThe year the home was originally built, according to county records.
8
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$238K
$220K low$256K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$186,000 · Nov 15, 2023

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,872 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$189,680 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$28,010
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$161,670
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$185,330
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$189,680

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.14 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Split Foyer
CountyBLACK HAWK
Lot (acres)The size of the land the home sits on, from county records.0.23
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 184 ft²Patio · 184 ft²Porch · 35 ft²

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Waterloo West High SchoolD
High · Grades 9–12 · 0.4 mi
M
Hoover Middle SchoolC-
Middle · Grades 6–8 · 0.5 mi
E
Lou Henry Elementary SchoolD+
Elementary · Grades KG–5 · 0.5 mi

District: Waterloo Community School District

Neighborhood · ZIP 50702These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.100
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.84
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.14

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.92%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.16%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.14%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.20,569
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,006 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$61,539
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$74,786
Average tempThe average temperature here across a full year.47°F
Annual precipHow much rain and melted snow falls here in a typical year.35 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.61%

Owner Tools

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

3039 Saratoga Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 89% of homes in Waterloo 50702
  • Costs more per square foot than 91% of homes in Waterloo 50702
  • Has a bigger lot than 77% of homes in Waterloo 50702
  • Newer than 98% of homes in Park Haven

What homes are worth in Waterloo 50702

Each bar is how many homes fall in that price range. The marker is this home.

This home
$62K$313K

This home is worth more than 89% of homes in Waterloo 50702.

How it measures up in Waterloo 50702

The dot is this home. The mark in the middle is the typical home in Waterloo 50702.

Estimated value$237,944
CheaperTypical $152,257Pricier

Pricier than 89% of homes nearby

Price per ft²$219
CheaperTypical $152Pricier

Pricier than 91% of homes nearby

Living area1,085 ft²
SmallerTypical 1,058 ft²Bigger

Bigger than 53% of homes nearby

Lot size0.23 ac
SmallerTypical 0.17 acBigger

Bigger than 77% of homes nearby

Year built1969
OlderTypical 1956Newer

Newer than 75% of homes nearby

How 3039 Saratoga Dr ranks against every home in each area.
MeasureThis homePark HavenWaterloo 50702Black Hawk County
Estimated valuepricier than$237,94460% of homes89% of homes66% of homes
Price per ft²pricier than$21982% of homes91% of homes79% of homes
Living areabigger than1,085 ft²48% of homes53% of homes39% of homes
Lot sizebigger than0.23 ac58% of homes77% of homes59% of homes
Year builtnewer than196998% of homes75% of homes60% of homes

About 3039 Saratoga Dr

How much is 3039 Saratoga Dr, Waterloo, IA worth?

The TopHap Estimate for 3039 Saratoga Dr, Waterloo, IA is $237,944 as of Sep 24, 2026. The likely range is $219,999 to $255,889. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3039 Saratoga Dr, Waterloo, IA last sell?

3039 Saratoga Dr, Waterloo, IA last sold on Nov 15, 2023 for $186,000, according to the county's recorded deed.

How big is 3039 Saratoga Dr, Waterloo, IA?

3039 Saratoga Dr, Waterloo, IA has 5 bedrooms, 2 bathrooms, 1,085 square feet of living space and a 0.23-acre lot.

When was 3039 Saratoga Dr, Waterloo, IA built?

3039 Saratoga Dr, Waterloo, IA was built in 1969, making it 57 years old. It is a split foyer home.

What schools serve 3039 Saratoga Dr, Waterloo, IA?

3039 Saratoga Dr, Waterloo, IA is assigned to Waterloo West High School (high), rated D; Hoover Middle School (middle), rated C-; Lou Henry Elementary School (elementary), rated D+. All sit in Waterloo Community School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3039 Saratoga Dr, Waterloo, IA compare to other homes in Waterloo 50702?

Among the 8,601 homes in Waterloo 50702, it is worth more than 89% of them ($237,944 against a typical $152,257), its price per square foot is higher than 91% of them ($219 against a typical $152), it is bigger than 53% of them (1,085 ft² against a typical 1,058 ft²), its lot is bigger than 77% of them (0.23 ac against a typical 0.17 ac) and it is newer than 75% of them (1969 against a typical 1956). Measured against all of Black Hawk County, it is worth more than 66% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 3039 Saratoga Dr, Waterloo, IA?

The 2025 property tax bill for 3039 Saratoga Dr, Waterloo, IA was $3,872. The county assessed it at $189,680.

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