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Single Family ResidenceResidential
$625,000$334 / 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 86How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $10,000 on Sep 3, 2026

3905 MEMORY LN

WATERLOO, IA 50702
4
Beds
3 / 2
Baths
1,871 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.
3.71 ac
Lot SizeThe size of the land the home sits on, from county records.
2003
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$625K
$537K low$713K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$10,000 · Sep 3, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$7,092 (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.$373,030 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$76,280
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$296,750
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$326,840
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$373,030

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.A-Frame
CountyBLACK HAWK
Lot (acres)The size of the land the home sits on, from county records.3.71
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
FireplaceWhether the home has a fireplace, and what kind.Yes
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 · 204 ft²Shed · 400 ft²Patio · 102 ft²Porch · 126 ft²

Transaction History(2)

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.

E
Orange Elementary SchoolA-
Elementary · Grades PK–5 · 3.4 mi
H
Waterloo West High SchoolD
High · Grades 9–12 · 4.2 mi
M
Hoover Middle SchoolB-
Middle · Grades 6–8 · 4.3 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%

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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

3905 Memory Ln 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.

  • Among the most valuable homes in Waterloo 50702
  • Among the highest price per square foot in Waterloo 50702
  • Bigger than 97% of homes in Waterloo 50702
  • Among the largest lots in Waterloo 50702
  • Newer than 92% of homes in Waterloo 50702

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
$61K$317K

This home is worth more than almost all 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$625,000
CheaperTypical $155,062Pricier

Pricier than almost all homes nearby

Price per ft²$334
CheaperTypical $154Pricier

Pricier than almost all homes nearby

Living area1,871 ft²
SmallerTypical 1,056 ft²Bigger

Bigger than 97% of homes nearby

Lot size3.71 ac
SmallerTypical 0.17 acBigger

Bigger than almost all homes nearby

Year built2003
OlderTypical 1956Newer

Newer than 92% of homes nearby

How 3905 Memory Ln ranks against every home in each area.
MeasureThis homeWaterloo 50702Black Hawk County
Estimated valuepricier than$625,000almost all homes98% of homes
Price per ft²pricier than$334almost all homes98% of homes
Living areabigger than1,871 ft²97% of homes85% of homes
Lot sizebigger than3.71 acalmost all homes96% of homes
Year builtnewer than200392% of homes86% of homes

About 3905 Memory Ln

How much is 3905 Memory Ln, Waterloo, IA worth?

The TopHap Estimate for 3905 Memory Ln, Waterloo, IA is $625,000 as of Aug 30, 2026. The likely range is $537,222 to $712,778. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3905 Memory Ln, Waterloo, IA last sell?

3905 Memory Ln, Waterloo, IA last sold on Sep 3, 2026 for $10,000, according to the county's recorded deed.

How big is 3905 Memory Ln, Waterloo, IA?

3905 Memory Ln, Waterloo, IA has 4 bedrooms, 3 bathrooms, 1,871 square feet of living space and a 3.71-acre lot.

When was 3905 Memory Ln, Waterloo, IA built?

3905 Memory Ln, Waterloo, IA was built in 2003, making it 23 years old. It is a a-frame home. The building has 1 story.

What schools serve 3905 Memory Ln, Waterloo, IA?

3905 Memory Ln, Waterloo, IA is assigned to Orange Elementary School (elementary), rated A-; Waterloo West High School (high), rated D; Hoover Middle School (middle), rated B-. All sit in Waterloo Community School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3905 Memory Ln, Waterloo, IA compare to other homes in Waterloo 50702?

Among the 8,601 homes in Waterloo 50702, it is worth more than almost all of them ($625,000 against a typical $155,062), its price per square foot is higher than almost all of them ($334 against a typical $154), it is bigger than 97% of them (1,871 ft² against a typical 1,056 ft²), its lot is bigger than almost all of them (3.71 ac against a typical 0.17 ac) and it is newer than 92% of them (2003 against a typical 1956). Measured against all of Black Hawk County, it is worth more than 98% 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 3905 Memory Ln, Waterloo, IA?

The 2025 property tax bill for 3905 Memory Ln, Waterloo, IA was $7,092. The county assessed it at $373,030.

More homes on Memory Ln

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