1127 Independence Ave, Waterloo, IA 50703 Property Records

Black Hawk County property record for 1127 Independence Ave, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 2,664 sqft · built 1906
Lot Size	0.193 acres (8,400 sqft)
Owner	2 Individual Names on Record
Last Sale	$170,000 (Apr 2026)
Tax Bill	$3,438 (2025)
Deeds & Mortgages	Sep 2017 Mortgage Mar 2010 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`8912-19-381-017`

Property Details

APN / Parcel Number

Primary APN	`8912-19-381-017`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,664 sqft Living Area
1st Floor Area	1,332 sqft
Basement Area	1,332 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1906
Effective Year Built	Effective 1906
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,400 sqft (0.193 acres)
Lot Dimensions	140 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	592 sqft
Patio Area	324 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	1127 INDEPENDENCE AVE
City	WATERLOO
State	IA
Zip	50703-4233
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HIGHLAND 2ND FILING LOT 18 BLK 4 W 10 FT LOT 19 BLK 4
Legal Range	12W
Legal Township	89N
Legal Section	19
Legal Subdivision	HIGHLAND 2ND FILING
Legal Block	4
Legal Lot Number	18,19
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2016
Census Tract	1900

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	2 Individual Names on Record
Mailing Address	1127 INDEPENDENCE AVE, WATERLOO, IA 50703-4233
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2017	Deed of Trust, Mortgage · ARM VERIDIAN CU
Mar 31, 2010	Deed of Trust, Mortgage · FHA Mortgage BANK OF AMERICA NA
Apr 24, 2026	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CREDIT UNION
Apr 24, 2026	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CREDIT UNION
Nov 13, 2023	Affidavit of Death of Joint Tenant, Transfer
Jan 17, 2023	Intrafamily Transfer, Transfer
Apr 20, 2016	Sheriff's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 24, 2026 · Amount on Record
Deed Sale	Apr 24, 2026 · Amount on Record
Prior Sale	Apr 20, 2016 · Amount on Record
Deed Document Number	20265761
Prior Transfer Date	Dec 28, 2022
Prior Transfer Doc	0000009985
Record Updated	Oct 29, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1127 INDEPENDENCE AVE, WATERLOO, IA 50703-4233
Transaction Type	Mortgage
Record Updated	May 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800005170
Date	Sep 21, 2017
Instrument	2018-00005170

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2027
Change Frequency	Annually
Min Rate At Change	2.87%
Max Rate At Change	6.87%
Index	1-Year LIBOR
Max Rate	10.8%

March 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1127 INDEPENDENCE AVE, WATERLOO, IA 50703-4233
Transaction Type	Mortgage
Record Updated	May 5, 2026
Title Company	BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK COUNTY ABSTRACT &

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	2010018129
Date	Mar 31, 2010
Instrument	2010018129

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2040

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 24, 2026
Property Address	1127 INDEPENDENCE AVE, WATERLOO, IA 50703-4233
Document Number	0000005761
Instrument Date	Apr 23, 2026
Instrument	2026.5761
Transaction Type	Transfer
Record Updated	May 4, 2026
Title Company	ABSTRACT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$27,391.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1127 INDEPENDENCE AVE, WATERLOO, IA 50703-4233

Mortgage

Document Number	0000005762,
Date	Apr 24, 2026
Instrument	2026.5762

Lender

Name	VERIDIAN CREDIT UNION

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5.88%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 24, 2026
Property Address	1127 INDEPENDENCE AVE, WATERLOO, IA 50703-4233
Document Number	0202605761
Instrument Date	Apr 23, 2026
Instrument	20265761
Transaction Type	Transfer
Record Updated	Jul 6, 2026
Title Company	ABSTRACT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$27,391.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1127 INDEPENDENCE AVE, WATERLOO, IA 50703-4233

Mortgage

Document Number	0000005762,
Date	Apr 24, 2026
Instrument	20265762

Lender

Name	VERIDIAN CREDIT UNION

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5.88%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2023: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 13, 2023
Property Address	1127 INDEPENDENCE AVE, WATERLOO, IA 50703-4233
Document Number	202400006284
Instrument Date	Nov 12, 2023
Instrument	202400006284
Transaction Type	Transfer
Record Updated	May 4, 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
Address	1127 INDEPENDENCE AVE, WATERLOO, IA 50703-4233

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BLACK HAWK IA
Recording Date	Jan 17, 2023
Property Address	1127 INDEPENDENCE AVE, WATERLOO, IA 50703-4233
Document Number	202300009985
Instrument Date	Dec 28, 2022
Instrument	202300009985
Transaction Type	Transfer
Record Updated	May 4, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	1127 INDEPENDENCE AVE, WATERLOO, IA 50703-4233

April 2016: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 20, 2016
Property Address	1127 INDEPENDENCE AVE, WATERLOO, IA 50703-4233
Document Number	201600017681
Instrument Date	Apr 6, 2016
Instrument	2016-00017681
Transaction Type	Foreclosure
Record Updated	May 4, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7105 CORPORATE DR, PLANO, TX 75024-4100
Investor	Possibly a Property Investor

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	$3,438.00 (-6.53%) Homeowner's exemption	$179,320 (-0.26%) Land $16,200 Building $163,120	$179,320 (-0.26%) Land $16,200 Building $163,120
2024	$3,678.00 (+33.55%)
2023		$179,790 Land $16,200 Building $163,590	$179,790 Land $16,200 Building $163,590
2022	$2,754.00

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	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

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 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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