1645 Cornwall Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 1645 Cornwall Ave, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,370 sqft · built 1958
Lot Size	0.503 acres (21,900 sqft)
Owner	Individual Name on Record
Last Sale	$144,000 (Sep 2021)
Tax Bill	$3,570 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-36-326-015`

Property Details

APN / Parcel Number

Primary APN	`8913-36-326-015`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,370 sqft Living Area
1st Floor Area	945 sqft
Attic	Attic
Attic Area	425 sqft
Basement Area	945 sqft
Finished Basement	350 sqft
Unfinished Basement	945 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	21,900 sqft (0.503 acres)
Lot Dimensions	300 ft deep x 73 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	364 sqft
Patio Area	32 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1645 CORNWALL AVE
City	WATERLOO
State	IA
Zip	50702-2636
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GOLDEN GARDENS ADDITION LOT 14 BLK 9
Legal Range	13W
Legal Township	89N
Legal Section	36
Legal Subdivision	GOLDEN GARDENS ADDITION
Legal Block	9
Legal Lot Number	14
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	4
Census Block	4000
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	1645 CORNWALL AVE, WATERLOO, IA 50702-2636
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 16, 2021 · Amount on Record
Deed Sale	Sep 16, 2021 · Amount on Record
Prior Sale	Sep 16, 2020 · Amount on Record
Deed Document Number	20215821
Prior Transfer Date	Apr 3, 2015
Prior Transfer Doc	0000016439
Record Updated	Sep 20, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 16, 2020
Property Address	1645 CORNWALL AVE, WATERLOO, IA 50702-2636
Document Number	202100005821
Instrument Date	May 20, 2020
Instrument	202100005821
Transaction Type	Transfer
Record Updated	Aug 9, 2022
Title Company	TITLE SERVICES GROUP, TITLE SERVICES CORP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$229.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1645 CORNWALL AVE, WATERLOO, IA 50702-2636

Mortgage

Document Number	202100005822
Date	Sep 16, 2020
Instrument	202100005822

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

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	$3,570.00 Homeowner's exemption	$187,190 (+7.08%) Land $30,660 Building $156,530	$187,190 (+7.08%) Land $30,660 Building $156,530
2024	$3,570.00 (+19%)
2023		$174,810 (+20.19%) Land $30,660 Building $144,150	$174,810 (+20.19%) Land $30,660 Building $144,150
2022	$3,000.00 Homeowner's exemption	$145,440 Land $30,660 Building $114,780
2021			$145,440 Land $30,660 Building $114,780

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	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 719 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
GigFire Fixed Wireless	150 / 130

May also be available: Nextlink.

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