Black Hawk County property record for 1012 Downing Ave, Waterloo, IA 50701
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 912 sqft · built 1960 |
| Lot Size | 0.234 acres (10,200 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $170,000 (Dec 2023) |
| Tax Bill | $3,458 (2025) |
| Deeds & Mortgages | Dec 2022 Second Mortgage Dec 2022 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 8913-28-232-019 |
| Primary APN | 8913-28-232-019 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 912 sqft Living Area |
| 1st Floor Area | 912 sqft |
| Basement Area | 912 sqft |
| Finished Basement | 600 sqft |
| Unfinished Basement | 912 sqft |
| Game Room | Game Room |
| Flooring | Wood |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,200 sqft (0.234 acres) |
| Lot Dimensions | 170 ft deep x 60 ft wide |
| Garage Type | Detached |
| Garage Area | 768 sqft |
| Parking Spaces | 3 Parking Spaces |
| Patio Area | 95 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 1012 DOWNING AVE |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50701-3408 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KEARNS ADDITION LOT 4 |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 28 |
| Legal Subdivision | KEARNS ADDITION |
| Legal Lot Number | 4 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 2 |
| Census Block | 2028 |
| Census Tract | 1502 |
Source: Black Hawk County records · APN 8913-28-232-019
Assessment roll updated October 17, 2025 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1012 DOWNING AVE, WATERLOO, IA 50701-3408 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 02, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage VERIDIAN CU |
| Dec 02, 2022 | Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU |
| Dec 02, 2022 | Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU |
| Apr 08, 2020 | Warranty Deed, Transfer · Conventional Mortgage BANKIOWA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 02, 2023 · Amount on Record |
| Deed Sale | Dec 02, 2023 · Amount on Record |
| Prior Sale | Dec 02, 2022 · Amount on Record |
| Deed Document Number | 20238577 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 1012 DOWNING AVE, WATERLOO, IA 50701-3408 |
| Transaction Type | Mortgage |
| Record Updated | Apr 29, 2024 |
| Title Company | BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK CNTY ABSTRACT CO |
| Name | Verified Name |
|---|
| Document Number | 202300008579 |
|---|---|
| Date | Dec 02, 2022 |
| Instrument | 202300008579 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | WATERLOO, IA 50701 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Jan 01, 2033 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Dec 02, 2022 |
| Property Address | 1012 DOWNING AVE, WATERLOO, IA 50701-3408 |
| Document Number | 202300008577 |
| Instrument Date | Nov 14, 2022 |
| Instrument | 202300008577 |
| Transaction Type | Transfer |
| Record Updated | Oct 17, 2025 |
| Title Company | BLACK HAWK CNTY ABSTRACT CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $271.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1012 DOWNING AVE, WATERLOO, IA 50701-3408 |
| Document Number | 202300008578 |
|---|---|
| Date | Dec 02, 2022 |
| Instrument | 202300008578 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.25% |
| Type Change Date | Jan 01, 2033 |
| Change Frequency | Annually |
| Min Rate At Change | 5.25% |
| Max Rate At Change | 9.25% |
| Index | 1-Year T-Bill |
| Max Rate | 13.2% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Dec 02, 2022 |
| Property Address | 1012 DOWNING AVE, WATERLOO, IA 50701-3408 |
| Document Number | 202300008577 |
| Instrument Date | Nov 14, 2022 |
| Instrument | 202300008577 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2024 |
| Title Company | BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK CNTY ABSTRACT CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $271.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1012 DOWNING AVE, WATERLOO, IA 50701-3408 |
| Document Number | 202300008578 |
|---|---|
| Date | Dec 02, 2022 |
| Instrument | 202300008578 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.25% |
| Type Change Date | Jan 01, 2033 |
| Change Frequency | Annually |
| Min Rate At Change | 5.25% |
| Max Rate At Change | 9.25% |
| Index | 1-Year T-Bill |
| Max Rate | 13.2% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Apr 08, 2020 |
| Property Address | 1012 DOWNING AVE, WATERLOO, IA 50701-3408 |
| Document Number | 202000017388 |
| Instrument Date | Mar 31, 2020 |
| Instrument | 202000017388 |
| Transaction Type | Transfer |
| Record Updated | Feb 10, 2022 |
| Title Company | BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK CNTY ABSTRACT CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $196.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1012 DOWNING AVE, WATERLOO, IA 50701-3408 |
| Document Number | 202000017389 |
|---|---|
| Date | Apr 08, 2020 |
| Instrument | 202000017389 |
| Name | BANKIOWA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2050 |
Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,458.00 Homeowner's exemption | $187,950 (+18.46%) Land $17,490 Building $170,460 | $187,950 (+18.46%) Land $17,490 Building $170,460 |
| 2024 | $3,458.00 (+17.62%) | ||
| 2023 | $158,660 (+18.54%) Land $17,490 Building $141,170 | $158,660 (+18.54%) Land $17,490 Building $141,170 | |
| 2022 | $2,940.00 | $133,850 Land $17,490 Building $116,360 | |
| 2021 | $133,850 Land $17,490 Building $116,360 |
Source: FEMA National Flood Hazard Layer, Black Hawk County (19013C), updated September 27, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 190130015022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 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 |
|
| 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 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: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 387 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Holdings Fiber | 5,120 / 5,120 |
| Mediacom Communications Cable | 1,000 / 50 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: AMG Technology Investment Group, LTD Broadband, Verizon.
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | WATERLOO WATER WORKS serves 69,504 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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