1640 Cornwall Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 1640 Cornwall Ave, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 976 sqft · built 1931
Lot Size	0.682 acres (29,700 sqft)
Owner	Individual Name on Record
Tax Bill	$3,452 (2025)
Deeds & Mortgages	Jun 2022 Second Mortgage Feb 2022 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-36-328-030`

Property Details

APN / Parcel Number

Primary APN	`8913-36-328-030`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	976 sqft Living Area
1st Floor Area	976 sqft
Basement Area	976 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1931
Effective Year Built	Effective 1931
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	29,700 sqft (0.682 acres)
Lot Dimensions	300 ft deep x 99 ft wide
Garage Type	Detached
Garage Area	1,536 sqft
Parking Spaces	6 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	172 sqft
Patio Area	32 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1640 CORNWALL AVE
City	WATERLOO
State	IA
Zip	50702-2637
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GOLDEN GARDENS ADDITION W 53.5 FT LOT 18 LOT 19 EXC THE W 26.75 FT THEREOF BLK 10
Legal Range	13W
Legal Township	89N
Legal Section	36
Legal Subdivision	GOLDEN GARDENS ADDITION
Legal Block	10
Legal Lot Number	18,19
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	4
Census Block	4009
Census Tract	1000

Owner

Source: Black Hawk County records, as of May 27, 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	1640 CORNWALL AVE, WATERLOO, IA 50702-2637
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage UNITE CU
Feb 8, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage UNITE CU

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1640 CORNWALL AVE, WATERLOO, IA 50702-2637
Transaction Type	Mortgage
Record Updated	Jun 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1640 CORNWALL AVE, WATERLOO, IA 50702-2637

Mortgage

Document Number	202200023355
Date	Jun 2, 2022
Instrument	202200023355

Lender

Name	UNITE CU
Type	Credit Union
Address	CEDAR FALLS, IA 50613

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	239 Months
Due	May 28, 2042

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1640 CORNWALL AVE, WATERLOO, IA 50702-2637
Transaction Type	Mortgage
Record Updated	Feb 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1640 CORNWALL AVE, WATERLOO, IA 50702-2637

Mortgage

Document Number	202200016131
Date	Feb 8, 2022
Instrument	202200016131

Lender

Name	UNITE CU
Type	Credit Union
Address	CEDAR FALLS, IA 50613

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 4, 2037

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	$3,452.00 Homeowner's exemption	$180,600 (+6.64%) Land $37,420 Building $143,180	$180,600 (+6.64%) Land $37,420 Building $143,180
2024	$3,452.00 (+20.45%)
2023		$169,360 (+21.54%) Land $37,420 Building $131,940	$169,360 (+21.54%) Land $37,420 Building $131,940
2022	$2,866.00 Homeowner's exemption	$139,340 Land $37,420 Building $101,920
2021			$139,340 Land $37,420 Building $101,920

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

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

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

Wildfire Risk	Low lower than 98% of the US · lower than 82% 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 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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