2070 Independence Ave, Waterloo (Evansdale), IA 50707 Property Records

Black Hawk County property record for 2070 Independence Ave, Waterloo, IA 50707

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,820 sqft · built 1927
Lot Size	0.841 acres (36,630 sqft)
Owner	Individual Name on File
Last Sale	$145,000 (Mar 2021)
Tax Bill	$3,192 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Oct 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`8912-29-101-007`

Property Details

APN / Parcel Number

Primary APN	`8912-29-101-007`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,820 sqft Living Area
1st Floor Area	984 sqft
Basement Area	984 sqft
Unfinished Basement	984 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	36,630 sqft (0.841 acres)
Lot Dimensions	555 ft deep x 66 ft wide
Garage Type	Detached
Garage Area	1,244 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	208 sqft
Deck Area	192 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	2070 INDEPENDENCE AVE
City	EVANSDALE
State	IA
Zip	50707-2530
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNPLATTED WLOO EAST COM 82-1/2 FT E OF NW COR E 1/2 W 1/2 NW 1/4 NW 1/4 SEC 29 E 4 RDS S 40 RDS W 4 RDS N 40 RDS TO BEG EXC S
Legal Range	12W
Legal Township	89N
Legal Section	29
Legal Subdivision	UNPLATTED WLOO EAST
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2000
Census Tract	800

Owner

2070 Independence Ave is owned and occupied by an individual who acquired it in September 2021.

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

Owner of Record	Individual Name on File
Mailing Address	2070 INDEPENDENCE AVE, EVANSDALE, IA 50707-2530
Occupancy	Owner Occupied
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
Sep 18, 2026	Deed of Trust, Mortgage · Line of Credit CEDAR FALLS COMMUNITY CREDIT UNION
Oct 11, 2023	Deed of Trust, Mortgage · Line of Credit CEDAR FALLS COMMUNITY CU
Mar 18, 2021	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jul 2, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage UNITE CREDID UNION
Sep 23, 2020	Affidavit of Death of Joint Tenant, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 18, 2021 · Amount on File
Deed Sale	Mar 18, 2021 · Amount on File
Deed Document Number	202119557
Last Transfer Date	Sep 22, 2021
Transfer Doc	0000006303
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 18, 2026
Property Address	2070 INDEPENDENCE AVE, EVANSDALE, IA 50707-2530
Document Number	0000014245
Instrument Date	Sep 3, 2026
Instrument	202614245
Transaction Type	Mortgage
Record Updated	Sep 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2070 INDEPENDENCE AVE, EVANSDALE, IA 50707-2530
Investor	Possibly a Property Investor

Mortgage

Document Number	0000014245,
Date	Sep 18, 2026
Instrument	202614245

Lender

Name	CEDAR FALLS COMMUNITY CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Sep 10, 2036

Interest

Max Rate	-1%

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2070 INDEPENDENCE AVE, WATERLOO, IA 50707-2530
Transaction Type	Mortgage
Record Updated	Oct 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2070 INDEPENDENCE AVE, WATERLOO, IA 50707-2530
Investor	Possibly a Property Investor

Mortgage

Document Number	202400004951
Date	Oct 11, 2023
Instrument	202400004951

Lender

Name	CEDAR FALLS COMMUNITY CU
Type	Credit Union
Address	CEDAR FALLS, IA 50613

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Oct 10, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Mar 18, 2021
Property Address	2070 INDEPENDENCE AVE, WATERLOO, IA 50707-2530
Document Number	202100019557
Instrument Date	Mar 12, 2021
Instrument	202100019557
Transaction Type	Transfer
Record Updated	Feb 10, 2022
Title Company	TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$231.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2070 INDEPENDENCE AVE, WATERLOO, IA 50707-2530

Mortgage

Document Number	202100019558
Date	Mar 18, 2021
Instrument	202100019558

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

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

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2070 INDEPENDENCE AVE, WATERLOO, IA 50707-2530
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100000167
Date	Jul 2, 2020
Instrument	202100000167

Lender

Name	UNITE CREDID UNION
Type	Non-Lending Institution
Address	CEDAR FALLS, IA 50613

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	94 Months
Due	May 15, 2028

September 2020: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 23, 2020
Property Address	2070 INDEPENDENCE AVE, WATERLOO, IA 50707-2530
Document Number	202100006303
Instrument Date	Aug 25, 2020
Instrument	202100006303
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2070 INDEPENDENCE AVE, WATERLOO, IA 50707-2530

Tax Assessment & Valuation

The 2025 property tax bill for 2070 Independence Ave was $3,192 with a homeowner's exemption, up 1% 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	$3,192.00 (+1.01%) Homeowner's exemption	$167,310 Land $17,820 Building $149,490	$167,310 Land $17,820 Building $149,490
2024	$3,160.00
2023		$155,920 (+28.47%) Land $17,820 Building $138,100	$155,920 Land $17,820 Building $138,100
2022	$2,470.00 Homeowner's exemption	$121,370 Land $17,820 Building $103,550
2021			$121,370 Land $17,820 Building $103,550

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

Flood

FEMA maps place 2070 Independence Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	5 (1978–2013)
Claims Outside the SFHA	3 of 5
Most Recent Claim	May 2013 · river or lake flooding

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 2070 Independence Ave is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 49% of Iowa
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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 92 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
Verizon Fixed Wireless	300 / 20

May also be available: GigFire.

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