Black Hawk County property record for 1232 Independence Ave, Waterloo, IA 50703
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,180 sqft · built 1941 |
| Lot Size | 0.147 acres (6,400 sqft) |
| Owner | Individual Name on File |
| Last Sale | $130,000 (Aug 2024) |
| Tax Bill | $1,810 (2025) |
| Deeds & Mortgages | Aug 2024 Second Mortgage Aug 2024 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 8912-30-127-007 |
| Primary APN | 8912-30-127-007 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,180 sqft Living Area |
| 1st Floor Area | 874 sqft |
| Attic | Attic |
| Attic Area | 306 sqft |
| Basement Area | 874 sqft |
| Unfinished Basement | 874 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Year Built | Built 1941 |
|---|---|
| Effective Year Built | Effective 1941 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| 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 | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 99 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 1232 INDEPENDENCE AVE |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50703-4334 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HIGHLAND 2ND FILING LOT 7 BLK 19 & EASE B 13 P 415 |
| Legal Range | 12W |
| Legal Township | 89N |
| Legal Section | 30 |
| Legal Subdivision | HIGHLAND 2ND FILING |
| Legal Block | 19 |
| Legal Lot Number | 7 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 1900 |
Source: Black Hawk County records · APN 8912-30-127-007
Assessment roll updated October 17, 2025 · Last verified August 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 File |
|---|---|
| Mailing Address | 1232 INDEPENDENCE AVE, WATERLOO, IA 50703-4334 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 28, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage GREENSTATE CU |
| Aug 28, 2024 | Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 28, 2024 · Amount on Record |
| Deed Sale | Aug 28, 2024 · Amount on Record |
| Deed Document Number | 202419485 |
| Prior Transfer Date | Apr 25, 2014 |
| Prior Transfer Doc | 0000019099 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 1232 INDEPENDENCE AVE, WATERLOO, IA 50703-4334 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0202419487 |
|---|---|
| Date | Aug 28, 2024 |
| Instrument | 2024-19487 |
| Name | GREENSTATE CU |
|---|---|
| Type | Credit Union |
| Address | 2355 LANDON RD, NORTH LIBERTY, IA 52317 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Sep 01, 2039 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Aug 28, 2024 |
| Property Address | 1232 INDEPENDENCE AVE, WATERLOO, IA 50703-4334 |
| Document Number | 0202419485 |
| Instrument Date | Aug 23, 2024 |
| Instrument | 2024-19485 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $207.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1232 INDEPENDENCE AVE, WATERLOO, IA 50703-4334 |
| Document Number | 0202419486 |
|---|---|
| Date | Aug 28, 2024 |
| Instrument | 2024-19486 |
| Name | GREENSTATE CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2054 |
Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,810.00 | $114,490 (+37.2%) Land $13,100 Building $101,390 | $114,490 (+37.2%) Land $13,100 Building $101,390 |
| 2024 | $1,810.00 (+14.27%) | ||
| 2023 | $83,450 (+15.76%) Land $13,100 Building $70,350 | $83,450 (+15.76%) Land $13,100 Building $70,350 | |
| 2022 | $1,584.00 | $72,090 Land $13,100 Building $58,990 | |
| 2021 | $72,090 Land $13,100 Building $58,990 |
Source: FEMA National Flood Hazard Layer as of September 27, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Waterloo Telecommunications Utility Fiber | 10,000 / 10,000 |
| Mediacom Communications Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: AMG Technology Investment Group, LTD Broadband, Metronet Holdings.
Based on FCC filings for 349 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WATERLOO WATER WORKS serves 69,504 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2023 |
| Lead | 2 ppb (2025) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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