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Single Family ResidenceResidential
$215,315$199 / 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 Aug 30, 2026
Last sold for $167,000 on Oct 13, 2022

3909 MONTEREY DR

WATERLOO, IA 50701
3
Beds
2
Baths
1,084 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.
0.14 ac
Lot SizeThe size of the land the home sits on, from county records.
1978
Year BuiltThe year the home was originally built, according to county records.
6
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

$215K
$198K low$233K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$167,000 · Oct 13, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,170 (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.$215,210 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$24,290
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$190,920
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$195,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$215,210

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 Level
CountyBLACK HAWK
Lot (acres)The size of the land the home sits on, from county records.0.14
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, Detached
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 · 128 ft²Patio · 278 ft²

Transaction History(4)

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.

M
Central Middle SchoolF
Middle · Grades 6–8 · 0.2 mi
E
Fred Becker Elementary SchoolC+
Elementary · Grades PK–5 · 0.8 mi
H
Waterloo West High SchoolD
High · Grades 9–12 · 3.1 mi

District: Waterloo Community School District

Neighborhood · ZIP 50701These 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.101
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 100.13

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.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.20%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.16%
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.30,091
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.444 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$69,009
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$88,898
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

3909 Monterey 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.

  • Costs more per square foot than 69% of homes in Black Hawk County
  • Has a smaller lot than 77% of homes in Black Hawk County
  • Newer than 75% of homes in Waterloo 50701

What homes are worth in Waterloo 50701

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

This home
$46K$562K

This home is worth more than 53% of homes in Waterloo 50701.

How it measures up in Waterloo 50701

The dot is this home. The mark in the middle is the typical home in Waterloo 50701.

Estimated value$215,315
CheaperTypical $206,943Pricier

Pricier than 53% of homes nearby

Price per ft²$199
CheaperTypical $171Pricier

Pricier than 65% of homes nearby

Living area1,084 ft²
SmallerTypical 1,192 ft²Bigger

Bigger than 42% of homes nearby

Lot size0.14 ac
SmallerTypical 0.19 acBigger

Bigger than 33% of homes nearby

Year built1978
OlderTypical 1966Newer

Newer than 75% of homes nearby

How 3909 Monterey Dr ranks against every home in each area.
MeasureThis homeWaterloo 50701Black Hawk County
Estimated valuepricier than$215,31553% of homes57% of homes
Price per ft²pricier than$19965% of homes69% of homes
Living areabigger than1,084 ft²42% of homes40% of homes
Lot sizebigger than0.14 ac33% of homes23% of homes
Year builtnewer than197875% of homes73% of homes

About 3909 Monterey Dr

How much is 3909 Monterey Dr, Waterloo, IA worth?

The TopHap Estimate for 3909 Monterey Dr, Waterloo, IA is $215,315 as of Aug 30, 2026. The likely range is $197,856 to $232,774. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3909 Monterey Dr, Waterloo, IA last sell?

3909 Monterey Dr, Waterloo, IA last sold on Oct 13, 2022 for $167,000, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 3909 Monterey Dr, Waterloo, IA?

3909 Monterey Dr, Waterloo, IA has 3 bedrooms, 2 bathrooms, 1,084 square feet of living space and a 0.14-acre lot.

When was 3909 Monterey Dr, Waterloo, IA built?

3909 Monterey Dr, Waterloo, IA was built in 1978, making it 48 years old. It is a split level home.

What schools serve 3909 Monterey Dr, Waterloo, IA?

3909 Monterey Dr, Waterloo, IA is assigned to Central Middle School (middle), rated F; Fred Becker Elementary School (elementary), rated C+; Waterloo West High School (high), rated D. All sit in Waterloo Community School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3909 Monterey Dr, Waterloo, IA compare to other homes in Waterloo 50701?

Among the 12,581 homes in Waterloo 50701, it is worth more than 53% of them ($215,315 against a typical $206,943), its price per square foot is higher than 65% of them ($199 against a typical $171), it is bigger than 42% of them (1,084 ft² against a typical 1,192 ft²), its lot is bigger than 33% of them (0.14 ac against a typical 0.19 ac) and it is newer than 75% of them (1978 against a typical 1966). Measured against all of Black Hawk County, it is worth more than 57% 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 3909 Monterey Dr, Waterloo, IA?

The 2025 property tax bill for 3909 Monterey Dr, Waterloo, IA was $4,170. The county assessed it at $215,210.

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