1601 Downing Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 1601 Downing Ave, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,264 sqft · built 1958
Lot Size	0.434 acres (18,900 sqft)
Owner	2 Individual Names on Record
Last Sale	$25,000 (Jul 2012)
Tax Bill	$3,436 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-28-251-006`

Property Details

APN / Parcel Number

Primary APN	`8913-28-251-006`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,264 sqft Living Area
1st Floor Area	1,040 sqft
Basement Area	1,236 sqft
Finished Basement	500 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	18,900 sqft (0.434 acres)
Lot Dimensions	300 ft deep x 63 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	192 sqft
Patio Area	752 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1601 DOWNING AVE
City	WATERLOO
State	IA
Zip	50701-6018
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MEADOWDALE SECOND FILING W 20.5 FT LOT 23 E 42.5 FT LOT 24
Legal Range	13W
Legal Township	89N
Legal Section	28
Legal Subdivision	MEADOWDALE SECOND FILING
Legal Lot Number	23,24
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2027
Census Tract	1502

Owner

Source: Black Hawk County records, as of September 1, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1601 DOWNING AVE, WATERLOO, IA 50701-6018
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2022	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Jan 8, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
Feb 28, 2018	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOAN INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2012 · Amount on Record
Deed Sale	Jul 16, 2012 · Amount on Record
Deed Document Number	20122013001062
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1601 DOWNING AVE, WATERLOO, IA 50701-6018
Transaction Type	Mortgage
Record Updated	Dec 6, 2022
Title Company	WFG NATIONAL TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202300008026
Date	Nov 21, 2022
Instrument	202300008026

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1601 DOWNING AVE, WATERLOO, IA 50701-6018
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100014461
Date	Jan 8, 2021
Instrument	202100014461

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1601 DOWNING AVE, WATERLOO, IA 50701-6018
Transaction Type	Mortgage
Record Updated	Mar 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800014047
Date	Feb 28, 2018
Instrument	201800014047

Lender

Name	QUICKEN LOAN INC
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jan 1, 2048

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	$3,436.00 (+6.51%) Homeowner's exemption	$202,810 (+12.01%) Land $24,570 Building $178,240	$202,810 (+12.01%) Land $24,570 Building $178,240
2024	$3,226.00 (+4.54%)
2023		$181,060 (+18.55%) Land $24,570 Building $156,490	$181,060 (+18.55%) Land $24,570 Building $156,490
2022	$3,086.00 Homeowner's exemption	$152,730 Land $24,570 Building $128,160
2021			$152,730 Land $24,570 Building $128,160

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	7 in force
Nearby Flood Claims	19 (1978–2013)
Claims Outside the SFHA	5 of 19
Most Recent Claim	May 2013 · rainfall accumulation
Claims by Event	Severe Storms, Flooding, And Tornadoes, Jul 2010 · 3 claims Severe Storms, Tornadoes, And Flooding, Jun 2008 · 2 claims Severe Storms & Flooding, Jul 1993 · 2 claims

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 96% of the US · lower than 71% of Iowa
Wildfire Likelihood	0.02% 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 387 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable	1,000 / 50
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink, Verizon.

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