1009 Downing Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 1009 Downing Ave, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 840 sqft · built 1962
Lot Size	0.406 acres (17,700 sqft)
Owner	Individual Name on File
Last Sale	$105,000 (Sep 2019)
Tax Bill	$2,716 (2025)
Deeds & Mortgages	Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-28-276-015`

Property Details

APN / Parcel Number

Primary APN	`8913-28-276-015`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	840 sqft Living Area
1st Floor Area	720 sqft
Basement Area	720 sqft
Finished Basement	325 sqft
Unfinished Basement	720 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	17,700 sqft (0.406 acres)
Lot Dimensions	300 ft deep x 59 ft wide
Garage Type	Detached
Garage Area	880 sqft
Parking Spaces	3 Parking Spaces
Patio Area	200 sqft
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1009 DOWNING AVE
City	WATERLOO
State	IA
Zip	50701-3407
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MEADOWDALE SECOND FILING W 1/2 LOT 7
Legal Range	13W
Legal Township	89N
Legal Section	28
Legal Subdivision	MEADOWDALE SECOND FILING
Legal Lot Number	7
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2027
Census Tract	1502

Owner

1009 Downing Ave is owned and occupied by an individual who bought it in September 2019.

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

Owner of Record	Individual Name on File
Mailing Address	1009 DOWNING AVE, WATERLOO, IA 50701-3407
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 13, 2019 · Amount on File
Deed Sale	Sep 13, 2019 · Amount on File
Prior Sale	Nov 6, 2009 · Amount on File
Deed Document Number	2019202000004820
Prior Transfer Date	Mar 23, 2010
Prior Transfer Doc	0000017730
Record Updated	Oct 29, 2026

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 13, 2019
Property Address	1009 DOWNING AVE, WATERLOO, IA 50701-3407
Document Number	202000004820
Instrument Date	Sep 12, 2019
Instrument	202000004820
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1009 DOWNING AVE, WATERLOO, IA 50701-3407

Mortgage

Document Number	202000004821
Date	Sep 13, 2019
Instrument	202000004821

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 1009 Downing Ave was $2,716 with a homeowner's exemption, up 5.4% 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	$2,716.00 (+5.35%) Homeowner's exemption	$143,940 Land $23,010 Building $120,930	$143,940 Land $23,010 Building $120,930
2024	$2,578.00
2023		$129,070 (+20.34%) Land $23,010 Building $106,060	$129,070 Land $23,010 Building $106,060
2022	$2,160.00 Homeowner's exemption	$107,250 Land $23,010 Building $84,240
2021			$107,250 Land $23,010 Building $84,240

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

Flood

FEMA maps place 1009 Downing Ave in Zone X, an area of minimal flood risk, though there have been 19 flood claims nearby since 1978.

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 Policies	7 in force
Nearby Flood Claims	19 (1978–2013)
Claims Outside the SFHA	5 of 19
Most Recent Claim	May 2013 · rainfall accumulation
Claims by Event	Severe Storms, Flooding, And Tornadoes, Jul 2010 · 3 claims Severe Storms, Tornadoes, And Flooding, Jun 2008 · 2 claims Severe Storms & Flooding, Jul 1993 · 2 claims

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 1009 Downing Ave is low, with 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 96% of the US · lower than 71% of Iowa
Wildfire Likelihood	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.

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 387 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
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink, Verizon.

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