1807 Downing Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 1807 Downing Ave, Waterloo, IA 50701

Property Summary

Property Type	Duplex
Details	5 bd · 2.5 ba · 1,892 sqft · built 1935
Lot Size	0.242 acres (10,530 sqft)
Owner	Company Name on File
Last Sale	$132,500 (Sep 2022)
Tax Bill	$3,636 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Sep 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`8913-28-176-010`

Property Details

APN / Parcel Number

Primary APN	`8913-28-176-010`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,892 sqft Total Area
1st Floor Area	1,640 sqft
Basement Area	1,640 sqft
Finished Basement	1,000 sqft
Unfinished Basement	1,640 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Architectural Style	Duplex Single
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,530 sqft (0.242 acres)
Lot Dimensions	135 ft deep x 78 ft wide
Porch	Porch
Porch Area	50 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1807 DOWNING AVE
City	WATERLOO
State	IA
Zip	50701-6031
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	MEADOWDALE SECOND FILING PART OF LOT 63 THE W 78 FT OF FOL DESC COM AT A PT 33 FT S OF A PT 648 FT W OF NE COR SAID LOT TH S
Legal Range	13W
Legal Township	89N
Legal Section	28
Legal Subdivision	MEADOWDALE SECOND FILING
Legal Lot Number	63
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2019
Census Tract	1502

Owner

Source: Black Hawk County assessment roll, as of October 17, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	410 VALLEY DR, WATERLOO, IA 50701-1719
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2021	Deed of Trust, Mortgage · Commercial Mortgage FARMERS STATE BANK
Sep 2, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 2, 2022 · Amount on Record
Deed Sale	Sep 2, 2022 · Amount on Record
Prior Sale	Sep 2, 2021 · Amount on Record
Deed Document Number	20225011
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1807 DOWNING AVE, WATERLOO, IA 50701-6031
Transaction Type	Mortgage
Record Updated	Nov 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200009153
Date	Oct 28, 2021
Instrument	202200009153

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	WATERLOO, IA 50701

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 27, 2051

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 2, 2021
Property Address	1807 DOWNING AVE, WATERLOO, IA 50701-6031
Document Number	202200005011
Instrument Date	Aug 27, 2021
Instrument	202200005011
Transaction Type	Transfer
Record Updated	Nov 17, 2022

Transaction

Amount	Amount Recorded
Tax	$211.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 VALLEY DR, WATERLOO, IA 50701-1719

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	$3,636.00	$186,970 (+11.55%) Land $25,100 Building $161,870	$186,970 (+11.55%) Land $25,100 Building $161,870
2024	$3,636.00 (+18.67%)
2023		$167,610 (+20.12%) Land $25,100 Building $142,510	$167,610 (+20.12%) Land $25,100 Building $142,510
2022	$3,064.00	$139,530 Land $25,100 Building $114,430
2021			$139,530 Land $25,100 Building $114,430

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force
Nearby Flood Claims	19 (1978–2013)
Claims Outside the SFHA	5 of 19
Most Recent Claim	May 2013 · rainfall accumulation
Claims by Event	Severe Storms, Flooding, And Tornadoes, Jul 2010 · 3 claims Severe Storms, Tornadoes, And Flooding, Jun 2008 · 2 claims Severe Storms & Flooding, Jul 1993 · 2 claims

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

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	0.01% annual chance
Exposure	None beyond ember reach

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 452 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Holdings Fiber	5,120 / 5,120
Mediacom Communications Cable	1,000 / 50
LTD Broadband Fixed Wireless	150 / 130
Lumen Technologies DSL	140 / 20
AT&T Fixed Wireless	100 / 20

May also be available: AMG Technology Investment Group, T-Mobile USA, Verizon.

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