1403 Bowers St, Waterloo (Evansdale), IA 50707 Property Records

Black Hawk County property record for 1403 Bowers St, Waterloo, IA 50707

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,098 sqft · built 1977
Lot Size	0.214 acres (9,315 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,702 (2025)
Deeds & Mortgages	Sep 2022 Second Mortgage Aug 2017 Mortgage
Flood Zone	Zone AE (high risk)
APN	`8912-19-480-010`

Property Details

APN / Parcel Number

Primary APN	`8912-19-480-010`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Building Area	1,098 sqft Living Area
1st Floor Area	954 sqft
Basement Area	477 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Split Level
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,315 sqft (0.214 acres)
Lot Dimensions	135 ft deep x 69 ft wide
Garage Type	Detached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Deck Area	140 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1403 BOWERS ST
City	EVANSDALE
State	IA
Zip	50707-2560
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DONDEL ADDITION LOT 6 BLK 2
Legal Range	12W
Legal Township	89N
Legal Section	19
Legal Subdivision	DONDEL ADDITION
Legal Block	2
Legal Lot Number	6
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2000
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	1403 BOWERS ST, EVANSDALE, IA 50707-2560
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FARMERS STATE BANK
Aug 4, 2017	Deed of Trust, Mortgage · Conventional Mortgage FARMERS STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1403 BOWERS ST, WATERLOO, IA 50707-2560
Transaction Type	Mortgage
Record Updated	Oct 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202300005275
Date	Sep 27, 2022
Instrument	202300005275

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	WATERLOO, IA 50701

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Sep 27, 2027

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1403 BOWERS ST, WATERLOO, IA 50707-2560
Transaction Type	Mortgage
Record Updated	Aug 22, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 2018-00002093
Date	Aug 4, 2017
Instrument	2018-00002093

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Aug 4, 2022

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	$1,702.00 (-6.59%) Homeowner's exemption	$108,910 (+0.9%) Land $11,950 Building $96,960	$108,910 (+0.9%) Land $11,950 Building $96,960
2024	$1,822.00 (+4.35%)
2023		$107,940 (+22.09%) Land $11,950 Building $95,990	$107,940 (+22.09%) Land $11,950 Building $95,990
2022	$1,746.00 Homeowner's exemption	$88,410 Land $11,950 Building $76,460
2021			$88,410 Land $11,950 Building $76,460

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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	Low lower than 65% of the US · above 62% of Iowa
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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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