1018 Downing Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 1018 Downing Ave, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 950 sqft · built 1959
Lot Size	0.234 acres (10,200 sqft)
Owner	Individual Name on File
Last Sale	$135,000 (Jul 2015)
Tax Bill	$4,170 (2025)
Deeds & Mortgages	May 2026 Line of Credit Dec 2023 Reverse Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8913-28-232-020`

Property Details

APN / Parcel Number

Primary APN	`8913-28-232-020`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	950 sqft Living Area
1st Floor Area	950 sqft
Basement Area	950 sqft
Finished Basement	600 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
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	792 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	466 sqft
Deck Area	146 sqft
Patio Area	146 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1018 DOWNING AVE
City	WATERLOO
State	IA
Zip	50701-3408
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KEARNS ADDITION LOT 3
Legal Range	13W
Legal Township	89N
Legal Section	28
Legal Subdivision	KEARNS ADDITION
Legal Lot Number	3
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2028
Census Tract	1502

Owner

1018 Downing Ave is owned and occupied by an individual who bought it in July 2015.

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

Owner of Record	Individual Name on File
Mailing Address	1018 DOWNING AVE, WATERLOO, IA 50701-3408
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

Date	Document
May 13, 2026	Deed of Trust, Mortgage · Line of Credit CEDAR FALLS COMMUNITY CREDIT UNION
Dec 12, 2023	Deed of Trust, Mortgage · Reverse Mortgage CEDAR FALLS COMMUNITY CU
Mar 6, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CEDAR FALLS COMMUNITY CU
Jan 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage CEDAR FALLS COMMUNITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 22, 2015 · Amount on File
Deed Sale	Jul 22, 2015 · Amount on File
Prior Sale	Feb 9, 2015 · Amount on File
Deed Document Number	2015201600001472
Prior Transfer Date	Aug 11, 2005
Prior Transfer Doc	2006006374
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Recording Date	May 13, 2026
Property Address	1018 DOWNING AVE, WATERLOO, IA 50701-3408
Document Number	0000006928
Instrument Date	May 7, 2026
Instrument	20266928
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1018 DOWNING AVE, WATERLOO, IA 50701-3408

Mortgage

Document Number	0000006928,
Date	May 13, 2026
Instrument	20266928

Lender

Name	CEDAR FALLS COMMUNITY CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	May 28, 2051

Interest

Rate	6.37%
Max Rate	-1%

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1018 DOWNING AVE, WATERLOO, IA 50701-3408
Transaction Type	Mortgage
Record Updated	Dec 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1018 DOWNING AVE, WATERLOO, IA 50701-3408

Mortgage

Document Number	202400007613
Date	Dec 12, 2023
Instrument	202400007613

Lender

Name	CEDAR FALLS COMMUNITY CU
Type	Credit Union
Address	123 W 4TH ST, CEDAR FALLS, IA 50613

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	60 Months
Due	Dec 15, 2028

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1018 DOWNING AVE, WATERLOO, IA 50701-3408
Transaction Type	Mortgage
Record Updated	Mar 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1018 DOWNING AVE, WATERLOO, IA 50701-3408

Mortgage

Document Number	202300012120
Date	Mar 6, 2023
Instrument	202300012120

Lender

Name	CEDAR FALLS COMMUNITY CU
Type	Credit Union
Address	CEDAR FALLS, IA 50613

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	60 Months
Due	Mar 15, 2028

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1018 DOWNING AVE, WATERLOO, IA 50701-3408
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100014522
Date	Jan 11, 2021
Instrument	202100014522

Lender

Name	CEDAR FALLS COMMUNITY CU
Type	Credit Union
Address	CEDAR FALLS, IA 50613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 1018 Downing Ave was $4,170 with a homeowner's exemption, up 4.7% 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	$4,170.00 (+4.67%) Homeowner's exemption	$215,200 Land $17,490 Building $197,710	$215,200 Land $17,490 Building $197,710
2024	$3,984.00
2023		$193,880 (+18.27%) Land $17,490 Building $176,390	$193,880 Land $17,490 Building $176,390
2022	$3,406.00 Homeowner's exemption	$163,930 Land $17,490 Building $146,440
2021			$163,930 Land $17,490 Building $146,440

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

Flood

FEMA maps place 1018 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 1018 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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