145 Cornwall Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 145 Cornwall Ave, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,110 sqft · built 1950
Lot Size	0.203 acres (8,844 sqft)
Owner	Individual Name on Record
Last Sale	$173,000 (Jun 2026)
Tax Bill	$3,048 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage May 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-35-302-011`

Property Details

APN / Parcel Number

Primary APN	`8913-35-302-011`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,110 sqft Living Area
1st Floor Area	1,110 sqft
Basement Area	1,110 sqft
Unfinished Basement	1,110 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,844 sqft (0.203 acres)
Lot Dimensions	134 ft deep x 66 ft wide
Garage Type	Detached
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Deck Area	252 sqft
Patio Area	330 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	145 CORNWALL AVE
City	WATERLOO
State	IA
Zip	50702-3811
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SCHMITZ ADDITION LOT 9
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	SCHMITZ ADDITION
Legal Lot Number	9
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	145 CORNWALL AVE, WATERLOO, IA 50702-3811
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2026	Warranty Deed, Transfer · Conventional Mortgage FIRST BANK
May 4, 2021	Affidavit of Death of Joint Tenant, Transfer TITLE SERVICES
May 4, 2021	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 26, 2026 · Amount on Record
Deed Sale	Jun 26, 2026 · Amount on Record
Prior Sale	May 4, 2021 · Amount on Record
Deed Document Number	20269511
Prior Transfer Date	Apr 30, 2021
Prior Transfer Doc	0000023233
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 26, 2026
Property Address	145 CORNWALL AVE, WATERLOO, IA 50702-3811
Document Number	0000009511
Instrument Date	Jun 25, 2026
Instrument	20269511
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$27,876.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	145 CORNWALL AVE, WATERLOO, IA 50702-3811

Mortgage

Document Number	0000009512,
Date	Jun 26, 2026
Instrument	20269512

Lender

Name	FIRST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	85 Months
Due	Jul 1, 2033

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2021: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	BLACK HAWK IA
Recording Date	May 4, 2021
Property Address	145 CORNWALL AVE, WATERLOO, IA 50702-3811
Document Number	202100023233
Instrument Date	Apr 30, 2021
Instrument	202100023233
Transaction Type	Transfer
Record Updated	Aug 9, 2022
Title Company	TITLE SERVICES

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

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 4, 2021
Property Address	145 CORNWALL AVE, WATERLOO, IA 50702-3811
Document Number	202100023234
Instrument Date	Apr 30, 2021
Instrument	202100023234
Transaction Type	Transfer
Record Updated	Aug 9, 2022
Title Company	TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$207.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	145 CORNWALL AVE, WASHBURN, IA 50702-3811

Mortgage

Document Number	202100023235
Date	May 4, 2021
Instrument	202100023235

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

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	$3,048.00 (-6.45%) Homeowner's exemption	$160,210 (+0.3%) Land $22,870 Building $137,340	$160,210 (+0.3%) Land $22,870 Building $137,340
2024	$3,258.00 (+30.95%)
2023		$159,730 (+30.71%) Land $22,870 Building $136,860	$159,730 (+30.71%) Land $22,870 Building $136,860
2022	$2,488.00 Homeowner's exemption	$122,200 Land $22,870 Building $99,330
2021			$122,200 Land $22,870 Building $99,330

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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