2009 Downing Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 2009 Downing Ave, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 960 sqft · built 1961
Lot Size	0.203 acres (8,840 sqft)
Owner	2 Individual Names on File
Last Sale	$118,500 (Nov 2018)
Tax Bill	$3,320 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Nov 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-28-151-012`

Property Details

APN / Parcel Number

Primary APN	`8913-28-151-012`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	960 sqft
Basement Area	960 sqft
Finished Basement	275 sqft
Unfinished Basement	960 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	8,840 sqft (0.203 acres)
Lot Dimensions	136 ft deep x 65 ft wide
Garage Type	Detached
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	196 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	2009 DOWNING AVE
City	WATERLOO
State	IA
Zip	50701-6035
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOWNING HEIGHTS ADDITION LOT 2
Legal Range	13W
Legal Township	89N
Legal Section	28
Legal Subdivision	DOWNING HEIGHTS ADDITION
Legal Lot Number	2
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2019
Census Tract	1502

Owner

2009 Downing Ave is owned by two individuals who bought it in November 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	1908 WEMBLEY RD, WATERLOO, IA 50701-1665
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
Mar 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
Nov 20, 2018	Warranty Deed, Transfer FARMERS STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 20, 2018 · Amount on File
Deed Sale	Nov 20, 2018 · Amount on File
Deed Document Number	2018201900008033
Prior Transfer Date	Jul 10, 2018
Prior Transfer Doc	2019000008
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2009 DOWNING AVE, WATERLOO, IA 50701-6035
Transaction Type	Mortgage
Record Updated	Jun 25, 2021
Title Company	TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2009 DOWNING AVE, WATERLOO, IA 50701-6035

Mortgage

Document Number	202100020231
Date	Mar 29, 2021
Instrument	202100020231

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

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

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 20, 2018
Property Address	2009 DOWNING AVE, WATERLOO, IA 50701-6035
Document Number	201900008033
Instrument Date	Nov 7, 2018
Instrument	201900008033
Transaction Type	Transfer
Record Updated	Jun 25, 2021

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	2009 DOWNING AVE, WATERLOO, IA 50701-6035

Mortgage

Document Number	201900008034
Date	Nov 20, 2018
Instrument	201900008034

Lender

Name	FARMERS STATE BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	350 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 2009 Downing Ave was $3,320, up 5.3% 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	$3,320.00 (+5.33%)	$162,710 Land $20,910 Building $141,800	$162,710 Land $20,910 Building $141,800
2024	$3,152.00
2023		$145,310 (+19.82%) Land $20,910 Building $124,400	$145,310 Land $20,910 Building $124,400
2022	$2,664.00	$121,270 Land $20,910 Building $100,360
2021			$121,270 Land $20,910 Building $100,360

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

Flood

FEMA maps place 2009 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	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

Wildfire risk around 2009 Downing Ave is low, with less than a 0.01% annual chance of 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

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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