1855 Downing Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 1855 Downing Ave, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,192 sqft · built 1958
Lot Size	0.17 acres (7,425 sqft)
Owner	Individual Name on File
Last Sale	$135,000 (Aug 2019)
Tax Bill	$3,502 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Jul 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`8913-28-176-002`

Property Details

APN / Parcel Number

Primary APN	`8913-28-176-002`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,192 sqft Living Area
1st Floor Area	1,048 sqft
Basement Area	1,048 sqft
Finished Basement	850 sqft
Unfinished Basement	1,048 sqft
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	Metal
Lot Area	7,425 sqft (0.17 acres)
Lot Dimensions	135 ft deep x 55 ft wide
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	144 sqft
Patio Area	434 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1855 DOWNING AVE
City	WATERLOO
State	IA
Zip	50701-6031
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MEADOWDALE SECOND FILING E 55 FT W 140 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

1855 Downing Ave is owned and occupied by an individual who bought it in August 2019.

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

Owner of Record	Individual Name on File
Mailing Address	1855 DOWNING AVE, WATERLOO, IA 50701-6031
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
Jul 26, 2023	Deed of Trust, Mortgage BANKIOWA
Jul 26, 2023	Deed of Trust, Mortgage · Stand-Alone First Mortgage BANKIOWA
Jun 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANKIOWA
Apr 4, 2018	Deed of Trust, Mortgage MIDWESTONE BANK
Aug 19, 2019	Warranty Deed, Transfer · ARM BANK IOWA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 19, 2019 · Amount on File
Deed Sale	Aug 19, 2019 · Amount on File
Deed Document Number	2019202000003147
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1855 DOWNING AVE, WATERLOO, IA 50701-6031
Transaction Type	Mortgage
Record Updated	Aug 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1855 DOWNING AVE, WATERLOO, IA 50701-6031

Mortgage

Document Number	202400001164
Date	Jul 26, 2023
Instrument	202400001164

Lender

Name	BANKIOWA
Type	Bank
Address	CEDAR FALLS, IA 50613

Agreement

Amount	Amount on Record

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1855 DOWNING AVE, WATERLOO, IA 50701-6031
Transaction Type	Mortgage
Record Updated	Aug 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1855 DOWNING AVE, WATERLOO, IA 50701-6031

Mortgage

Document Number	202400001163
Date	Jul 26, 2023
Instrument	202400001163

Lender

Name	BANKIOWA
Type	Bank
Address	CEDAR FALLS, IA 50613

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1855 DOWNING AVE, WATERLOO, IA 50701-6031
Transaction Type	Mortgage
Record Updated	Jul 7, 2021
Title Company	BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK CNTY ABSTRACT CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100027134
Date	Jun 22, 2021
Instrument	202100027134

Lender

Name	BANKIOWA
Type	Bank
Address	INDEPENDENCE, IA 50644

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1855 DOWNING AVE, WATERLOO, IA 50701-6031
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800016122
Date	Apr 4, 2018
Instrument	201800016122

Lender

Name	MIDWESTONE BANK
Type	Bank

Agreement

Amount	Amount on Record

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Aug 19, 2019
Property Address	1855 DOWNING AVE, WATERLOO, IA 50701-6031
Document Number	202000003147
Instrument Date	Aug 16, 2019
Instrument	202000003147
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	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1855 DOWNING AVE, WATERLOO, IA 50701-6031

Mortgage

Document Number	202000003148
Date	Aug 19, 2019
Instrument	202000003148

Lender

Name	BANK IOWA

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Sep 1, 2026
Index	Other

Tax Assessment & Valuation

The 2025 property tax bill for 1855 Downing Ave was $3,502 with a homeowner's exemption, up 5.9% 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	$3,502.00 (+5.93%) Homeowner's exemption	$182,460 Land $17,700 Building $164,760	$182,460 Land $17,700 Building $164,760
2024	$3,306.00
2023		$162,610 (+18.37%) Land $17,700 Building $144,910	$162,610 Land $17,700 Building $144,910
2022	$2,822.00 Homeowner's exemption	$137,370 Land $17,700 Building $119,670
2021			$137,370 Land $17,700 Building $119,670

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

Flood

FEMA maps place 1855 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 1855 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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