1603 Audubon Dr, Waterloo, IA 50701 Property Records

Black Hawk County property record for 1603 Audubon Dr, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,782 sqft · built 1997
Lot Size	0.312 acres (13,600 sqft)
Owner	Individual Name on File
Last Sale	$472,500 (Oct 2024)
Tax Bill	$10,226 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Oct 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8813-08-301-007`

Property Details

APN / Parcel Number

Primary APN	`8813-08-301-007`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,782 sqft Living Area
1st Floor Area	2,000 sqft
Attic	Attic
Attic Area	500 sqft
Basement Area	2,282 sqft
Finished Basement	850 sqft
Unfinished Basement	2,282 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	13,600 sqft (0.312 acres)
Lot Dimensions	136 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	717 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	20 sqft
Deck Area	52 sqft
Patio Area	677 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1603 AUDUBON DR
City	WATERLOO
State	IA
Zip	50701-8902
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AUDUBON PARK SECOND ADDITION LOT 4
Legal Range	13W
Legal Township	88N
Legal Section	08
Legal Subdivision	AUDUBON PARK SECOND ADDITION
Legal Lot Number	4
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1054
Census Tract	3001

Owner

1603 Audubon Dr is owned and occupied by an individual who bought it in October 2024.

Source: Black Hawk County records, as of May 27, 2026

Owner of Record	Individual Name on File
Mailing Address	1603 AUDUBON DR, WATERLOO, IA 50701-8902
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2025	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Oct 16, 2024	Deed, Transfer · VA Mortgage USAA FSB
Dec 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage FARMERS STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 16, 2024 · Amount on File
Deed Sale	Oct 16, 2024 · Amount on File
Deed Document Number	202421911
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1603 AUDUBON DR, WATERLOO, IA 50701-8902
Transaction Type	Mortgage
Record Updated	Nov 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1603 AUDUBON DR, WATERLOO, IA 50701-8902
Investor	Possibly a Property Investor

Mortgage

Document Number	0202516160
Date	Nov 4, 2025
Instrument	2025-16160

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	951 W YAMATO RD STE 175, BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2055

October 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 16, 2024
Property Address	1603 AUDUBON DR, WATERLOO, IA 50701-8902
Document Number	0202421911
Instrument Date	Sep 18, 2024
Instrument	2024-21911
Transaction Type	Transfer
Record Updated	Oct 17, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$755.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	614 SYCAMORE ST, WATERLOO, IA 50703-4726
Investor	Possibly a Property Investor

Mortgage

Document Number	0202421912
Date	Oct 16, 2024
Instrument	2024-21912

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2054

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1603 AUDUBON DR, WATERLOO, IA 50701-8902
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100013670
Date	Dec 29, 2020
Instrument	202100013670

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 1603 Audubon Dr was $10,226 with a homeowner's exemption.

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	$10,226.00 Homeowner's exemption	$486,340 Land $42,080 Building $444,260	$486,340 Land $42,080 Building $444,260
2024	$10,226.00
2023		$481,580 (+32.54%) Land $42,080 Building $439,500	$481,580 Land $42,080 Building $439,500
2022	$7,786.00 Homeowner's exemption	$363,360 Land $42,080 Building $321,280
2021			$363,360 Land $42,080 Building $321,280

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1603 Audubon Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1985.

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
Flood Insurance Cost	Premium on File median of 21 individual policies
Nearby Flood Policies	37 units insured incl. 16 condo units
Nearby Flood Claims	2 (1985–2020)
Most Recent Claim	Jun 2020 · 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

Wildfire risk around 1603 Audubon Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 76% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 163 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	1,000 / 50
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130

May also be available: Nextlink.

Cell Coverage

5G (outdoors only) and 4G LTE

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