1617 Howard Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 1617 Howard Ave, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 936 sqft · built 1960
Lot Size	0.186 acres (8,100 sqft)
Owner	2 Individual Names on File
Last Sale	$125,000 (Oct 2018)
Tax Bill	$2,714 (2025)
Deeds & Mortgages	Oct 2018 Sale Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-36-378-022`

Property Details

APN / Parcel Number

Primary APN	`8913-36-378-022`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	936 sqft Living Area
1st Floor Area	936 sqft
Basement Area	936 sqft
Finished Basement	375 sqft
Unfinished Basement	936 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,100 sqft (0.186 acres)
Lot Dimensions	135 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Patio Area	64 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1617 HOWARD AVE
City	WATERLOO
State	IA
Zip	50702-3501
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PLEASANT VIEW ADDITION E 1/2 LOT 184 LOT 185 S 8 FT VAC ALLEY ADJ LOT 185 AND E 1/2 LOT 184
Legal Range	13W
Legal Township	89N
Legal Section	36
Legal Subdivision	PLEASANT VIEW ADDITION
Legal Lot Number	184,185
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	4
Census Block	4014
Census Tract	1000

Owner

1617 Howard Ave is owned and occupied by two individuals who bought it in October 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	1617 HOWARD AVE, WATERLOO, IA 50702-3501
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
Oct 12, 2018	Quit Claim Deed, Transfer Quitclaim
Oct 12, 2018	Warranty Deed, Transfer · FHA Mortgage GERSHMAN INVESTMENT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 12, 2018 · Amount on File
Deed Sale	Oct 12, 2018 · Amount on File
Deed Document Number	2018201900006089
Record Updated	Oct 29, 2026

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 12, 2018
Property Address	1617 HOWARD AVE, WATERLOO, IA 50702-3501
Document Number	201900006091
Instrument Date	Oct 12, 2018
Instrument	201900006091
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1617 HOWARD AVE, WATERLOO, IA 50702-3501

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 12, 2018
Property Address	1617 HOWARD AVE, WATERLOO, IA 50702-3501
Document Number	201900006089
Instrument Date	Oct 10, 2018
Instrument	201900006089
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1617 HOWARD AVE, WATERLOO, IA 50702-3501

Mortgage

Document Number	201900006090
Date	Oct 12, 2018
Instrument	201900006090

Lender

Name	GERSHMAN INVESTMENT
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	351 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 1617 Howard Ave was $2,714 with a homeowner's exemption, up 0.1% from the year before.

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	$2,714.00 (+0.07%) Homeowner's exemption	$143,840 Land $20,790 Building $123,050	$143,840 Land $20,790 Building $123,050
2024	$2,712.00
2023		$135,210 (+21.2%) Land $20,790 Building $114,420	$135,210 Land $20,790 Building $114,420
2022	$2,256.00 Homeowner's exemption	$111,560 Land $20,790 Building $90,770
2021			$111,560 Land $20,790 Building $90,770

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

Flood

FEMA maps place 1617 Howard Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 27, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 1617 Howard Ave 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 95% of the US · lower than 68% of Iowa
Wildfire Likelihood	Under 0.01% 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 479 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
Verizon Fixed Wireless	300 / 20

May also be available: GigFire, Nextlink.

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