103 Prospect Ave, Waterloo, IA 50703 Property Records

Black Hawk County property record for 103 Prospect Ave, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,785 sqft · built 1921
Lot Size	0.161 acres (7,000 sqft)
Owner	Individual Name on File
Tax Bill	$2,044 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Oct 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`8912-19-353-018`

Property Details

APN / Parcel Number

Primary APN	`8912-19-353-018`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,785 sqft Living Area
1st Floor Area	808 sqft
Basement Area	808 sqft
Finished Basement	250 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1921
Effective Year Built	Effective 1921
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	7,000 sqft (0.161 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	35 sqft
Patio Area	35 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	103 PROSPECT AVE
City	WATERLOO
State	IA
Zip	50703-4241
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HIGHLAND 2ND FILING LOT 14 BLK 9
Legal Range	12W
Legal Township	89N
Legal Section	19
Legal Subdivision	HIGHLAND 2ND FILING
Legal Block	9
Legal Lot Number	14
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2004
Census Tract	1900

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Highland Historic District listed 1984 · 223 contributing resources · NRIS 84001209

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

103 Prospect Ave is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	103 PROSPECT AVE, WATERLOO, IA 50703-4241
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
Aug 2, 2023	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Oct 8, 2021	Deed of Trust, Mortgage · Line of Credit REGIONS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	103 PROSPECT AVE, WATERLOO, IA 50703-4241
Transaction Type	Mortgage
Record Updated	Aug 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 PROSPECT AVE, WATERLOO, IA 50703-4241

Mortgage

Document Number	202400001554
Date	Aug 2, 2023
Instrument	202400001554

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 11, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	103 PROSPECT AVE, WATERLOO, IA 50703-4241
Transaction Type	Mortgage
Record Updated	Oct 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 PROSPECT AVE, WATERLOO, IA 50703-4241

Mortgage

Document Number	202200007729
Date	Oct 8, 2021
Instrument	202200007729

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Oct 1, 2041

Tax Assessment & Valuation

The 2025 property tax bill for 103 Prospect Ave was $2,044 with a homeowner's exemption, down 8.9% 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	$2,044.00 (-8.91%) Homeowner's exemption	$125,610 Land $15,000 Building $110,610	$125,610 Land $15,000 Building $110,610
2024	$2,244.00
2023		$126,730 (+35.5%) Land $15,000 Building $111,730	$126,730 Land $15,000 Building $111,730
2022	$1,860.00 Homeowner's exemption	$93,530 Land $15,000 Building $78,530
2021			$93,530 Land $15,000 Building $78,530

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

Flood

FEMA maps place 103 Prospect Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2010.

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	5 in force
Nearby Flood Claims	1 (2010)
Most Recent Claim	Jul 2010 · Severe Storms, Flooding, And Tornadoes

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 103 Prospect Ave is low, with less than 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 98% of the US · lower than 82% of Iowa
Wildfire Likelihood	Under 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 446 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink, Waterloo Fiber.

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