159 Prospect Ave, Waterloo, IA 50703 Property Records

Black Hawk County property record for 159 Prospect Ave, Waterloo, IA 50703 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 4,081 sqft · built 1909
Lot Size	0.418 acres (18,200 sqft)
Owner	Individual Name on File
Last Sale	$170,000 (Dec 2022)
Tax Bill	$5,894 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8912-19-353-011`

Property Details

APN / Parcel Number

Primary APN	`8912-19-353-011`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	4,081 sqft Living Area
1st Floor Area	1,584 sqft
Attic	Attic
Attic Area	871 sqft
Basement Area	1,584 sqft
Unfinished Basement	1,584 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	18,200 sqft (0.418 acres)
Lot Dimensions	140 ft deep x 130 ft wide
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	498 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	159 PROSPECT AVE
City	WATERLOO
State	IA
Zip	50703-4241
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HIGHLAND 2ND FILING E 20 FT LOT 24 BLK 9 LOT 25 BLK 9 LOT 26 BLK 9
Legal Range	12W
Legal Township	89N
Legal Section	19
Legal Subdivision	HIGHLAND 2ND FILING
Legal Block	9
Legal Lot Number	24-26
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2004
Census Tract	1900

Owner

Source: Black Hawk County records · APN 8912-19-353-011

Assessment roll updated October 17, 2025 · Last verified June 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	159 PROSPECT AVE, WATERLOO, IA 50703-4241
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 22, 2022 · Amount on Record
Deed Sale	Dec 22, 2022 · Amount on Record
Prior Sale	Dec 22, 2021 · Amount on Record
Deed Document Number	202213046
Record Updated	Sep 20, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Dec 22, 2021
Property Address	159 PROSPECT AVE, WATERLOO, IA 50703-4241
Document Number	202200013046
Instrument Date	Dec 15, 2021
Instrument	202200013046
Transaction Type	Transfer
Record Updated	Jan 07, 2022
Title Company	TITLE SERVICES GROUP, TITLE SERVICES CORP

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$271.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	159 PROSPECT AVE, WATERLOO, IA 50703-4241

Mortgage

Document Number	202200013047
Date	Dec 22, 2021
Instrument	202200013047

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2052

Tax Assessment & Valuation

Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified June 2026

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

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	$5,894.00	$271,670 (-) Land $35,100 Building $236,570	$271,670 (-) Land $35,100 Building $236,570
2024	$5,894.00 (+26.81%)
2023		$271,670 (+42.04%) Land $35,100 Building $236,570	$271,670 (+42.04%) Land $35,100 Building $236,570
2022	$4,648.00	$191,260 Land $35,100 Building $156,160
2021			$191,260 Land $35,100 Building $156,160

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Black Hawk County (19013C), updated September 27, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 190130019002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (2010)
Most Recent Claim	Jul 2010, rainfall accumulation, Severe Storms, Flooding, And Tornadoes

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026

Historic District	Within the Highland Historic District listed 1984 · 223 contributing resources · NRIS 84001209

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 446 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Metronet Holdings	Fiber	5,120 / 5,120
Mediacom Communications	Cable	1,000 / 50
Verizon	Fixed Wireless	300 / 20
AT&T	Fixed Wireless	100 / 20

May also be available at this address: Waterloo Telecommunications Utility, Mediacom Communications, AMG Technology Investment Group, LTD Broadband. Availability varies by address; speeds are provider-advertised maximums, not measured.