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1046 Independence Ave, Waterloo, IA 50703 Property Records

Black Hawk County property record for 1046 Independence Ave, Waterloo, IA 50703

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,540 sqft · built 1912
Lot Size0.147 acres (6,400 sqft)
OwnerIndividual Name on Record
Last Sale$800 (Mar 2023)
Tax Bill$1,024 (2025)
Deeds & MortgagesMar 2023 Sale
Flood ZoneZone X (minimal risk)
APN8912-30-102-006

Property Details

APN / Parcel Number

Primary APN8912-30-102-006

Interior

Bedrooms3 Beds
Full Baths1 Bath
Total Rooms7 Rooms
Stories2 Stories
Building Area1,540 sqft Living Area
1st Floor Area672 sqft
Basement Area672 sqft
Unfinished Basement672 sqft
Game RoomGame Room
FlooringCarpet
Interior WallsPlaster
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1912
Effective Year BuiltEffective 1912
Exterior MaterialStucco
Construction TypeFrame
Roof TypeHip
Roof MaterialAsphalt
Lot Area6,400 sqft (0.147 acres)
Lot Dimensions128 ft deep x 50 ft wide
PorchPorch
Porch Area400 sqft

Utilities, Heating & Cooling

Cooling SystemNone
Heating SystemHVAC

Location & Zoning

Street Address1046 INDEPENDENCE AVE
CityWATERLOO
StateIA
Zip50703-4206
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHIGHLAND 2ND FILING LOT 7 BLK 17
Legal Range12W
Legal Township89N
Legal Section30
Legal SubdivisionHIGHLAND 2ND FILING
Legal Block17
Legal Lot Number7
JurisdictionBLACK HAWK IA
Township / Civil DivisionWATERLOO
Census Block Group3
Census Block3002
Census Tract1900

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address410 ADAMS ST, WATERLOO, IA 50703-3104
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMar 30, 2023 · Amount on Record
Deed SaleMar 30, 2023 · Amount on Record
Prior SaleMar 26, 2021 · Amount on Record
Deed Document Number202313085
Prior Transfer DateJan 4, 2007
Prior Transfer Doc0000014778
Record UpdatedOct 29, 2026

March 2023: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionBLACK HAWK IA
Recording DateMar 30, 2023
Property Address1046 INDEPENDENCE AVE, WATERLOO, IA 50703-4206
Document Number202300013085
Instrument DateMar 29, 2023
Instrument202300013085
Transaction TypeTransfer
Record UpdatedApr 17, 2023

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address537 SUMNER ST, WATERLOO, IA 50703-2805

Tax Assessment & Valuation

Source: Black Hawk County assessment roll, as of October 17, 2025

Property Jurisdictions

TypeName
StateIowa
CountyBlack Hawk County
MunicipalityWaterloo City
Unified School DistrictWaterloo Community School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,024.00 (+22.78%)$50,130 (+30.34%) Land $13,100 Building $37,030$50,130 (+30.34%) Land $13,100 Building $37,030
2024$834.00 (-8.75%)
2023$38,460 (+4.31%) Land $13,100 Building $25,360$38,460 (+4.31%) Land $13,100 Building $25,360
2022$914.00$36,870 Land $13,100 Building $23,770
2021$36,870 Land $13,100 Building $23,770

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 27, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims7 (1979)
Most Recent ClaimApr 1979 · rainfall accumulation

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot rated
no burnable land within 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 SystemWATERLOO WATER WORKS
serves 69,504 people · EPA ID IA0790074
Water SourceGroundwater
Last State InspectionNov 2023
Lead2 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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