204 Cornwall Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 204 Cornwall Ave, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,032 sqft · built 1951
Lot Size	0.177 acres (7,700 sqft)
Owner	Individual Name on Record
Last Sale	$232,000 (Aug 2026)
Tax Bill	$3,072 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Apr 2016 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8913-35-303-008`

Property Details

APN / Parcel Number

Primary APN	`8913-35-303-008`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,032 sqft Living Area
1st Floor Area	1,032 sqft
Basement Area	1,032 sqft
Finished Basement	500 sqft
Unfinished Basement	1,032 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	7,700 sqft (0.177 acres)
Lot Dimensions	140 ft deep x 55 ft wide
Garage Type	Detached
Garage Area	396 sqft
Parking Spaces	1 Parking Space
Deck Area	192 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	204 CORNWALL AVE
City	WATERLOO
State	IA
Zip	50702-3814
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AUDITOR SEARS PLAT NO 1 LOT 82
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	AUDITOR SEARS PLAT NO 1
Legal Lot Number	82
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1009
Census Tract	1200

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	204 CORNWALL AVE, WATERLOO, IA 50702-3814
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2026	Warranty Deed, Transfer · Conventional Mortgage UNION CREDIT UNION
Apr 11, 2016	Deed of Trust, Mortgage VERIDIAN CU
Apr 5, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) VERIDIAN CU
Apr 5, 2023	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 10, 2026 · Amount on Record
Deed Sale	Aug 10, 2026 · Amount on Record
Prior Sale	Apr 5, 2023 · Amount on Record
Deed Document Number	202612018
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Aug 10, 2026
Property Address	204 CORNWALL AVE, WATERLOO, IA 50702-3814
Document Number	0000012018
Instrument Date	Aug 5, 2026
Instrument	202612018
Transaction Type	Transfer
Record Updated	Aug 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$37,410.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 CORNWALL AVE, WATERLOO, IA 50702-3814

Mortgage

Document Number	0000012019,
Date	Aug 10, 2026
Instrument	202612019

Lender

Name	UNION CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	385 Months
Due	Sep 1, 2058

Interest

Rate Type	Fixed Rate
Rate	6.49%
Initial Type	Fixed Rate
Max Rate	-1%

April 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	204 CORNWALL AVE, WATERLOO, IA 50702-3814
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	ABSTRACT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201600017126
Date	Apr 11, 2016
Instrument	2016-00017126

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Apr 20, 2031

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	204 CORNWALL AVE, WATERLOO, IA 50702-3814
Transaction Type	Mortgage
Record Updated	Oct 20, 2023
Title Company	TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 CORNWALL AVE, WASHBURN, IA 50702-3814

Mortgage

Document Number	202300013386
Date	Apr 5, 2023
Instrument	202300013386

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	121 Months
Due	May 1, 2033

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 5, 2023
Property Address	204 CORNWALL AVE, WATERLOO, IA 50702-3814
Document Number	202300013384
Instrument Date	Apr 3, 2023
Instrument	202300013384
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	TITLE SERVICES

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$229.60
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	204 CORNWALL AVE, WATERLOO, IA 50702-3814

Mortgage

Document Number	202300013385
Date	Apr 5, 2023
Instrument	202300013385

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	May 1, 2033
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	8%
Index	1-Year T-Bill
Max Rate	12%

Mortgage

Document Number	202300013386
Date	Apr 5, 2023
Instrument	202300013386

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	121 Months
Due	May 1, 2033

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	$3,072.00 (-6.51%)	$150,570 (+12.73%) Land $19,250 Building $131,320	$150,570 (+12.73%) Land $19,250 Building $131,320
2024	$3,286.00 (+59.67%)
2023		$133,570 (+30.16%) Land $19,250 Building $114,320	$133,570 (+30.16%) Land $19,250 Building $114,320
2022	$2,058.00 Homeowner's exemption	$102,620 Land $19,250 Building $83,370
2021			$102,620 Land $19,250 Building $83,370

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

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	1 in force
Nearby Flood Claims	14 (1979–2018)
Claims Outside the SFHA	3 of 14
Most Recent Claim	Oct 2018 · rainfall accumulation

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

Provider	Max Down / Up (Mbps)
Waterloo Fiber Fiber	10,000 / 10,000
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
GigFire Fixed Wireless	150 / 130

May also be available: AT&T, Nextlink, Verizon.

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