1645 Longfellow Ave, Waterloo, IA 50703 Property Records

Black Hawk County property record for 1645 Longfellow Ave, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 810 sqft · built 1969
Lot Size	0.191 acres (8,340 sqft)
Owner	Individual Name on File
Last Sale	$154,000 (Jun 2025)
Tax Bill	$2,488 (2025)
Deeds & Mortgages	May 2024 Mortgage Dec 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8913-10-404-004`

Property Details

APN / Parcel Number

Primary APN	`8913-10-404-004`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	810 sqft Living Area
1st Floor Area	810 sqft
Basement Area	810 sqft
Finished Basement	400 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,340 sqft (0.191 acres)
Lot Dimensions	139 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Deck Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1645 LONGFELLOW AVE
City	WATERLOO
State	IA
Zip	50703-1105
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CLOVERDALE ACRES S 60 FT N 180 FT E 1/2 LOT 18
Legal Range	13W
Legal Township	89N
Legal Section	10
Legal Subdivision	CLOVERDALE ACRES
Legal Lot Number	18
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1003
Census Tract	1702

Owner

1645 Longfellow Ave is owned and occupied by an individual who bought it in June 2025.

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

Owner of Record	Individual Name on File
Mailing Address	1645 LONGFELLOW AVE, WATERLOO, IA 50703-1105
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
May 20, 2024	Deed of Trust, Mortgage · Conventional Mortgage LINCOLN SAVINGS BANK
Dec 18, 2017	Deed of Trust, Mortgage · Stand-Alone First Mortgage BANKIOWA
Jun 20, 2025	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Dec 18, 2017	Special Warranty Deed, Transfer · Conventional Mortgage BANKIOWA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 20, 2025 · Amount on File
Deed Sale	Jun 20, 2025 · Amount on File
Prior Sale	Dec 18, 2017 · Amount on File
Deed Document Number	20258822
Prior Transfer Date	Mar 19, 2008
Prior Transfer Doc	0000018468
Record Updated	Oct 29, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1645 LONGFELLOW AVE, WATERLOO, IA 50703-1105
Transaction Type	Mortgage
Record Updated	Oct 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202414546
Date	May 20, 2024
Instrument	2024-14546

Lender

Name	LINCOLN SAVINGS BANK
Type	Bank
Address	360 WESTFIELD AVE # 6, WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.08%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2029
Change Frequency	Annually
Min Rate At Change	5.08%
Max Rate At Change	9.08%
Index	1-Year CMT
Max Rate	13%

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1645 LONGFELLOW AVE, WATERLOO, IA 50703-1105
Transaction Type	Mortgage
Record Updated	Oct 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800010430
Date	Dec 18, 2017
Instrument	2018-00010430

Lender

Name	BANKIOWA
Type	Bank
Address	CEDAR FALLS, IA 50613

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

June 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 20, 2025
Property Address	1645 LONGFELLOW AVE, WATERLOO, IA 50703-1105
Document Number	0202508822
Instrument Date	Jun 11, 2025
Instrument	2025-08822
Transaction Type	Transfer
Record Updated	Oct 21, 2025
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$262.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1645 LONGFELLOW AVE, WATERLOO, IA 50703-1105

Mortgage

Document Number	0202508823
Date	Jun 20, 2025
Instrument	2025-08823

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2055

December 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Dec 18, 2017
Property Address	1645 LONGFELLOW AVE, WATERLOO, IA 50703-1105
Document Number	201800010428
Instrument Date	Dec 7, 2017
Instrument	2018-00010428
Transaction Type	Transfer
Record Updated	Feb 10, 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	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1645 LONGFELLOW AVE, WATERLOO, IA 50703-1105

Mortgage

Document Number	201800010429
Date	Dec 18, 2017
Instrument	2018-00010429

Lender

Name	BANKIOWA
Type	Bank
Address	INDEPENDENCE, IA 50644

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 1645 Longfellow Ave was $2,488 with a homeowner's exemption, down 8.5% 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	$2,488.00 (-8.53%) Homeowner's exemption	$132,820 Land $19,500 Building $113,320	$132,820 Land $19,500 Building $113,320
2024	$2,720.00
2023		$135,640 (+41.84%) Land $19,500 Building $116,140	$135,640 Land $19,500 Building $116,140
2022	$1,906.00 Homeowner's exemption	$95,630 Land $19,500 Building $76,130
2021			$95,630 Land $19,500 Building $76,130

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

Flood

FEMA maps place 1645 Longfellow Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1999.

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	1 in force
Nearby Flood Claims	2 (1999–2008)
Most Recent Claim	Apr 2008 · 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 1645 Longfellow 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 99.1% of the US · lower than 91% 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 47 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

May also be available: GigFire, Nextlink.

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