1845 Downing Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 1845 Downing Ave, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 792 sqft · built 1958
Lot Size	0.167 acres (7,290 sqft)
Owner	Individual Name on File
Tax Bill	$2,602 (2025)
Deeds & Mortgages	Apr 2021 Line of Credit Feb 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`8913-28-176-004`

Property Details

APN / Parcel Number

Primary APN	`8913-28-176-004`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	792 sqft Living Area
1st Floor Area	792 sqft
Basement Area	792 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,290 sqft (0.167 acres)
Lot Dimensions	135 ft deep x 54 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	100 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1845 DOWNING AVE
City	WATERLOO
State	IA
Zip	50701-6031
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MEADOWDALE SECOND FILING E 54 FT W 249 FT S 135 FT N 168 FT LOT 63
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

1845 Downing Ave, a single family home, is owned by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	2331 E SCHROCK RD, WATERLOO, IA 50701-9489
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
Apr 14, 2021	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Feb 26, 2018	Deed of Trust, Mortgage · Line of Credit VERIDIAN CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1845 DOWNING AVE, WATERLOO, IA 50701-6031
Transaction Type	Mortgage
Record Updated	Apr 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1845 DOWNING AVE, WATERLOO, IA 50701-6031

Mortgage

Document Number	202100021579
Date	Apr 14, 2021
Instrument	202100021579

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1845 DOWNING AVE, WATERLOO, IA 50701-6031
Transaction Type	Mortgage
Record Updated	Mar 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800013920
Date	Feb 26, 2018
Instrument	201800013920

Lender

Name	VERIDIAN CREDIT UNION
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Jan 1, 2043

Tax Assessment & Valuation

The 2025 property tax bill for 1845 Downing Ave was $2,602, up 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	$2,602.00 (+5%)	$127,460 Land $17,380 Building $110,080	$127,460 Land $17,380 Building $110,080
2024	$2,478.00
2023		$114,270 (+17.96%) Land $17,380 Building $96,890	$114,270 Land $17,380 Building $96,890
2022	$2,128.00	$96,870 Land $17,380 Building $79,490
2021			$96,870 Land $17,380 Building $79,490

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

Flood

FEMA maps place 1845 Downing Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

The area around 1845 Downing Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 452 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
GigFire Fixed Wireless	150 / 130
CenturyLink DSL	140 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink, T-Mobile, Verizon.

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