2003 Downing Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 2003 Downing Ave, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,056 sqft · built 1962
Lot Size	0.219 acres (9,520 sqft)
Owner	2 Individual Names on File
Last Sale	$205,500 (Jul 2024)
Tax Bill	$3,376 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Feb 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-28-151-013`

Property Details

APN / Parcel Number

Primary APN	`8913-28-151-013`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,056 sqft Living Area
1st Floor Area	1,056 sqft
Basement Area	1,056 sqft
Finished Basement	500 sqft
Unfinished Basement	1,056 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	9,520 sqft (0.219 acres)
Lot Dimensions	136 ft deep x 70 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	223 sqft
Patio Area	268 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	2003 DOWNING AVE
City	WATERLOO
State	IA
Zip	50701-6035
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOWNING HEIGHTS ADDITION LOT 1
Legal Range	13W
Legal Township	89N
Legal Section	28
Legal Subdivision	DOWNING HEIGHTS ADDITION
Legal Lot Number	1
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	2 Individual Names on File
Mailing Address	2003 DOWNING AVE, WATERLOO, IA 50701-6035
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 5, 2023	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU
Feb 28, 2022	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 5, 2024 · Amount on Record
Deed Sale	Jul 5, 2024 · Amount on Record
Prior Sale	Jul 5, 2023 · Amount on Record
Deed Document Number	2024101
Prior Transfer Date	Feb 19, 2014
Prior Transfer Doc	2014015487
Record Updated	Sep 20, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jul 5, 2023
Property Address	2003 DOWNING AVE, WATERLOO, IA 50701-6035
Document Number	202400000101
Instrument Date	Jun 22, 2023
Instrument	202400000101
Transaction Type	Transfer
Record Updated	Jul 18, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$328.00
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	2003 DOWNING AVE, WATERLOO, IA 50701-6035
Investor	Possibly a Property Investor

Mortgage

Document Number	202400000102
Date	Jul 5, 2023
Instrument	202400000102

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 5, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.62%
Type Change Date	Jul 5, 2030
Change Frequency	Annually
Min Rate At Change	4.87%
Max Rate At Change	8.62%
Index	1-Year T-Bill
Max Rate	12.6%

Mortgage

Document Number	202400000103
Date	Jul 5, 2023
Instrument	202400000103

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 5, 2033

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Feb 28, 2022
Property Address	2003 DOWNING AVE, WATERLOO, IA 50701-6035
Document Number	202200017213
Instrument Date	Feb 25, 2022
Instrument	202200017213
Transaction Type	Transfer
Record Updated	Mar 14, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$285.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2003 DOWNING AVE, WATERLOO, IA 50701-6035

Mortgage

Document Number	202200017214
Date	Feb 28, 2022
Instrument	202200017214

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Mar 1, 2029
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5%
Index	1-Year CMT
Max Rate	9%

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	$3,376.00 Homeowner's exemption	$185,570 (+20.52%) Land $22,520 Building $163,050	$185,570 (+20.52%) Land $22,520 Building $163,050
2024	$3,376.00 (+28.66%)
2023		$153,970 (+19.95%) Land $22,520 Building $131,450	$153,970 (+19.95%) Land $22,520 Building $131,450
2022	$2,624.00 (-4.37%)	$128,360 Land $22,520 Building $105,840
2021	$2,744.00		$128,360 Land $22,520 Building $105,840

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 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 99.8% of the US · lower than 98.1% of Iowa
Wildfire Likelihood	Under 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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