105 Cornwall Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 105 Cornwall Ave, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,252 sqft · built 1949
Lot Size	0.208 acres (9,045 sqft)
Owner	Individual Name on Record
Last Sale	$215,000 (Jun 2026)
Tax Bill	$3,922 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Oct 2006 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`8913-35-302-016`

Property Details

APN / Parcel Number

Primary APN	`8913-35-302-016`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,252 sqft Living Area
1st Floor Area	1,252 sqft
Basement Area	1,252 sqft
Finished Basement	500 sqft
Unfinished Basement	1,252 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,045 sqft (0.208 acres)
Lot Dimensions	67 ft deep x 135 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Deck Area	96 sqft
Patio Area	240 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	105 CORNWALL AVE
City	WATERLOO
State	IA
Zip	50702-3811
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SCHMITZ ADDITION LOT 4
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	SCHMITZ ADDITION
Legal Lot Number	4
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1008
Census Tract	1200

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 Record	Individual Name on Record
Mailing Address	105 CORNWALL AVE, WATERLOO, IA 50702-3811
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
Oct 23, 2006	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Apr 23, 2014	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Jun 22, 2026	Warranty Deed, Transfer · Conventional Mortgage FREE STATE CREDIT UNION
Jun 22, 2026	Warranty Deed, Transfer · Conventional Mortgage UNION CREDIT UNION
Mar 25, 2022	Warranty Deed, Transfer · FHA Mortgage BROKER SOLUTIONS INC
Jan 27, 2009	Affidavit of Death of Joint Tenant, Transfer · FHA Mortgage US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 22, 2026 · Amount on Record
Deed Sale	Jun 22, 2026 · Amount on Record
Prior Sale	Mar 25, 2022 · Amount on Record
Deed Document Number	20269184
Prior Transfer Date	Jan 20, 2009
Prior Transfer Doc	2009013737
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	105 CORNWALL AVE, WATERLOO, IA 50702-3811
Transaction Type	Mortgage
Record Updated	Jul 1, 2026
Title Company	BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK CNTY ABSTRACT CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000016363
Date	Mar 23, 2020
Instrument	202000016363

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

October 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	105 CORNWALL AVE, WATERLOO, IA 50702-3811
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2007009270
Date	Oct 23, 2006
Instrument	2007009270

Lender

Name	REGIONS BANK
Type	Bank
Address	WATERLOO, IA 50701

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Oct 3, 2021

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	105 CORNWALL AVE, WATERLOO, IA 50702-3811
Transaction Type	Mortgage
Record Updated	Jul 1, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201400018765
Date	Apr 23, 2014
Instrument	201400018765

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2044

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 22, 2026
Property Address	105 CORNWALL AVE, WATERLOO, IA 50702-3811
Document Number	0000009184
Instrument Date	Jun 10, 2026
Instrument	20269184
Transaction Type	Transfer
Record Updated	Jun 26, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$34,663.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 CORNWALL AVE, WATERLOO, IA 50702-3811

Mortgage

Document Number	0000009185,
Date	Jun 22, 2026
Instrument	20269185

Lender

Name	FREE STATE CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0000009186,
Date	Jun 22, 2026
Instrument	20269186

Lender

Name	FREE STATE CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	15 Months
Due	Jul 1, 2041

Interest

Rate	6.37%
Max Rate	-1%

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 22, 2026
Property Address	105 CORNWALL AVE, WATERLOO, IA 50702-3811
Document Number	0202609184
Instrument Date	Jun 10, 2026
Instrument	20269184
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$34,663.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 CORNWALL AVE, WATERLOO, IA 50702-3811

Mortgage

Document Number	0000009185,
Date	Jun 22, 2026
Instrument	20269185

Lender

Name	UNION CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0000009186,
Date	Jun 22, 2026
Instrument	20269186

Lender

Name	UNION CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2041

Interest

Max Rate	-1%

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Mar 25, 2022
Property Address	105 CORNWALL AVE, WATERLOO, IA 50702-3811
Document Number	202200018773
Instrument Date	Mar 22, 2022
Instrument	202200018773
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$319.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 CORNWALL AVE, WATERLOO, IA 50702-3811

Mortgage

Document Number	202200018774
Date	Mar 25, 2022
Instrument	202200018774

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

January 2009: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	BLACK HAWK IA
Recording Date	Jan 27, 2009
Property Address	105 CORNWALL AVE, WATERLOO, IA 50702-3811
Document Number	2009013735
Instrument Date	Jan 20, 2009
Instrument	2009013735
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2009013737
Date	Jan 27, 2009
Instrument	2009013737

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2039

Tax Assessment & Valuation

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	$3,922.00 (-5.99%)	$192,140 (-0.11%) Land $26,080 Building $166,060	$192,140 (-0.11%) Land $26,080 Building $166,060
2024	$4,172.00 (+27.9%)
2023		$192,350 (+29.54%) Land $26,080 Building $166,270	$192,350 (+29.54%) Land $26,080 Building $166,270
2022	$3,262.00 Homeowner's exemption	$148,490 Land $26,080 Building $122,410
2021			$148,490 Land $26,080 Building $122,410

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	14 (1979–2018)
Claims Outside the SFHA	3 of 14
Most Recent Claim	Oct 2018 · 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 Risk	Not 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 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 399 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Waterloo Fiber Fiber	10,000 / 10,000
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
GigFire Fixed Wireless	150 / 130

May also be available: AT&T, Nextlink, Verizon.

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