2016 Howard Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 2016 Howard Ave, Waterloo, IA 50702

Property Summary

Property Type	Commercial
Details	1,920 sqft · built 1960
Lot Size	0.229 acres (9,960 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (Jan 2026)
Tax Bill	$2,516 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`8913-36-478-018`

Property Details

APN / Parcel Number

Primary APN	`8913-36-478-018`

Interior

Stories	1 Story
Building Area	1,920 sqft Gross Area
Flooring	Carpet
Overhead Door	Overhead Door

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Wood
Lot Area	9,960 sqft (0.229 acres)
Lot Dimensions	120 ft deep x 83 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Space Heater

Location & Zoning

Street Address	2016 HOWARD AVE
City	WATERLOO
State	IA
Zip	50702-2726
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	GARDEN PLACE E 61 FT N 120 FT LOT 18 W 22 FT N 120 FT LOT 19
Legal Range	13W
Legal Township	89N
Legal Section	36
Legal Subdivision	GARDEN PLACE
Legal Lot Number	18,19
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2060
Census Tract	900

Owner

Source: Black Hawk County records · APN 8913-36-478-018

Assessment roll updated October 17, 2025 · Last verified June 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 File
Mailing Address	4340 MOURNING DOVE DR, WATERLOO, IA 50702-6129
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 06, 2026 · Amount on Record
Deed Sale	Jan 06, 2026 · Amount on Record
Prior Sale	Nov 14, 2024 · Amount on Record
Deed Document Number	2026178
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2016 HOWARD AVE, WATERLOO, IA 50702-2726
Transaction Type	Mortgage
Record Updated	Jan 15, 2026
Title Company	BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK CNTY ABSTRACT & T

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202600180
Date	Jan 06, 2026
Instrument	2026-00180

Lender

Name	CEDAR FALLS COMMUNITY CU
Type	Credit Union
Address	123 W 4TH ST, CEDAR FALLS, IA 50613

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 03, 2051

Interest

Change Frequency	Monthly

Tax Assessment & Valuation

Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified June 2026

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

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,516.00	$118,590 (+8.71%) Land $29,880 Building $88,710	$118,590 (+8.71%) Land $29,880 Building $88,710
2024	$2,516.00 (+55.69%)
2023		$109,090 (+48.3%) Land $29,880 Building $79,210	$109,090 (+48.3%) Land $29,880 Building $79,210
2022	$1,616.00	$73,560 Land $19,920 Building $53,640
2021			$73,560 Land $19,920 Building $53,640

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 27, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Waterloo Telecommunications Utility Fiber	10,000 / 10,000
Metronet Holdings Fiber	5,120 / 5,120
Mediacom Communications Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: LTD Broadband.

Based on FCC filings for 52 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	WATERLOO WATER WORKS serves 69,504 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.