1216 Independence Ave, Waterloo, IA 50703 Property Records

Black Hawk County property record for 1216 Independence Ave, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,082 sqft · built 1929
Lot Size	0.147 acres (6,400 sqft)
Owner	2 Individual Names on Record
Last Sale	$120,000 (Sep 2026)
Tax Bill	$2,056 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8912-30-127-004`

Property Details

APN / Parcel Number

Primary APN	`8912-30-127-004`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,082 sqft Living Area
1st Floor Area	616 sqft
Basement Area	651 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1929
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,400 sqft (0.147 acres)
Lot Dimensions	128 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	216 sqft
Patio Area	408 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1216 INDEPENDENCE AVE
City	WATERLOO
State	IA
Zip	50703-4334
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HIGHLAND 2ND FILING LOT 4 BLK 19
Legal Range	12W
Legal Township	89N
Legal Section	30
Legal Subdivision	HIGHLAND 2ND FILING
Legal Block	19
Legal Lot Number	4
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	3
Census Block	3000
Census Tract	1900

Owner

Source: Black Hawk County records, as of October 8, 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	1216 INDEPENDENCE AVE, WATERLOO, IA 50703-4334
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2026 · Amount on Record
Deed Sale	Sep 30, 2026 · Amount on Record
Deed Document Number	202614873
Record Updated	Oct 29, 2026

September 2026: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 30, 2026
Property Address	1216 INDEPENDENCE AVE, WATERLOO, IA 50703-4334
Document Number	0000014873
Instrument Date	Sep 28, 2026
Instrument	202614873
Transaction Type	Transfer
Record Updated	Oct 6, 2026
Title Company	BLACK HAWK COUNTY ABSTRACT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$19,311.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1216 INDEPENDENCE AVE, WATERLOO, IA 50703-4334

Mortgage

Document Number	0000014874,
Date	Sep 30, 2026
Instrument	202614874

Lender

Name	VERIDIAN CREDIT UNION

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	6.88%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Mortgage

Document Number	0000014875,
Date	Sep 30, 2026
Instrument	202614875

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Oct 1, 2036

Interest

Max Rate	-1%

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	$2,056.00 (+27.86%)	$100,760 (+35.96%) Land $13,100 Building $87,660	$100,760 (+35.96%) Land $13,100 Building $87,660
2024	$1,608.00 (+11.2%)
2023		$74,110 (+12.58%) Land $13,100 Building $61,010	$74,110 (+12.58%) Land $13,100 Building $61,010
2022	$1,446.00	$65,830 Land $13,100 Building $52,730
2021			$65,830 Land $13,100 Building $52,730

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 Claims	7 (1979)
Most Recent Claim	Apr 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 Risk	Low lower than 99.1% of the US · lower than 91% 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 349 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Waterloo Fiber Fiber	10,000 / 10,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: GigFire, Metronet, Nextlink.

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