1909 Cornwall Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 1909 Cornwall Ave, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,080 sqft · built 1957
Lot Size	0.217 acres (9,450 sqft)
Owner	2 Individual Names on Record
Last Sale	$186,500 (Nov 2024)
Tax Bill	$2,762 (2022)
Deeds & Mortgages	Nov 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-36-404-012`

Property Details

APN / Parcel Number

Primary APN	`8913-36-404-012`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,080 sqft Living Area
1st Floor Area	1,080 sqft
Basement Area	1,080 sqft
Finished Basement	600 sqft
Unfinished Basement	1,080 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,450 sqft (0.217 acres)
Lot Dimensions	135 ft deep x 70 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Patio Area	653 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1909 CORNWALL AVE
City	WATERLOO
State	IA
Zip	50702-2603
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MC LENDONS FIRST ADDITION LOT 244
Legal Range	13W
Legal Township	89N
Legal Section	36
Legal Subdivision	MC LENDONS FIRST ADDITION
Legal Lot Number	244
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	3
Census Block	3006
Census Tract	1000

Owner

Source: Black Hawk County records, as of March 18, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	1909 CORNWALL AVE, WATERLOO, IA 50702-2603
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 6, 2024 · Amount on Record
Deed Sale	Nov 6, 2024 · Amount on Record
Prior Sale	Nov 6, 2023 · Amount on Record
Deed Document Number	20246043
Prior Transfer Date	Dec 2, 2019
Prior Transfer Doc	0000010514
Record Updated	Sep 20, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 6, 2023
Property Address	1909 CORNWALL AVE, WATERLOO, IA 50702-2603
Document Number	202400006043
Instrument Date	Nov 2, 2023
Instrument	202400006043
Transaction Type	Transfer
Record Updated	Nov 20, 2023
Title Company	TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$297.60
Amount Accuracy	Rounded by County
Additional	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	1909 CORNWALL AVE, WATERLOO, IA 50702-2603

Mortgage

Document Number	202400006044
Date	Nov 6, 2023
Instrument	202400006044

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

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		$169,390 (+11.65%) Land $24,260 Building $145,130	$169,390 (+11.65%) Land $24,260 Building $145,130
2023		$151,710 (+20.63%) Land $24,260 Building $127,450	$151,710 (+20.63%) Land $24,260 Building $127,450
2022	$2,762.00	$125,760 Land $24,260 Building $101,500
2021			$125,760 Land $24,260 Building $101,500

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2013)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2013 · other causes

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

Provider	Max Down / Up (Mbps)
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
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink, Waterloo Fiber.

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