Black Hawk County property record for 1909 Downing Ave, Waterloo, IA 50701
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 912 sqft · built 1960 |
| Lot Size | 0.201 acres (8,775 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $137,500 (Nov 2023) |
| Tax Bill | $2,982 (2025) |
| Deeds & Mortgages | Nov 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 8913-28-151-016 |
| Primary APN | 8913-28-151-016 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 912 sqft Living Area |
| 1st Floor Area | 912 sqft |
| Basement Area | 912 sqft |
| Finished Basement | 400 sqft |
| Unfinished Basement | 912 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Exterior Material | Composition/Composite |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 8,775 sqft (0.201 acres) |
| Lot Dimensions | 135 ft deep x 65 ft wide |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 160 sqft |
| Patio Area | 320 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 1909 DOWNING AVE |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50701-6033 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BLACK HAWK SUBDIVISION LOT 23 |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 28 |
| Legal Subdivision | BLACK HAWK SUBDIVISION |
| Legal Lot Number | 23 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 1502 |
1909 Downing Ave is owned by two individuals who bought it in November 2023.
Source: Black Hawk County records, as of September 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1939 KAMILLE CT, WATERLOO, IA 50701-4536 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 21, 2023 · Amount on File |
| Deed Sale | Nov 21, 2023 · Amount on File |
| Prior Sale | Nov 21, 2022 · Amount on File |
| Deed Document Number | 20238095 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Nov 21, 2022 |
| Property Address | 1909 DOWNING AVE, WATERLOO, IA 50701-6033 |
| Document Number | 202300008095 |
| Instrument Date | Nov 17, 2022 |
| Instrument | 202300008095 |
| Transaction Type | Transfer |
| Record Updated | Dec 6, 2022 |
| Title Company | TITLE SERVICES |
| Amount | Amount on Record |
|---|---|
| Tax | $219.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1909 DOWNING AVE, WATERLOO, IA 50701-6033 |
The 2025 property tax bill for 1909 Downing Ave was $2,982, up 5% from the year before.
Source: Black Hawk County assessment roll, as of October 17, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,982.00 (+5%) | $146,100 Land $20,910 Building $125,190 | $146,100 Land $20,910 Building $125,190 |
| 2024 | $2,840.00 | ||
| 2023 | $132,470 (+17.64%) Land $20,910 Building $111,560 | $132,470 Land $20,910 Building $111,560 | |
| 2022 | $2,204.00 Homeowner's exemption | $112,610 Land $20,910 Building $91,700 | |
| 2021 | $112,610 Land $20,910 Building $91,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1909 Downing Ave in Zone X, an area of minimal flood risk, though there have been 19 flood claims nearby since 1978.
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 | 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 |
|
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.
The area around 1909 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.
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 |
| 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.
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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