209 Byron Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 209 Byron Ave, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,456 sqft · built 1948
Lot Size	0.169 acres (7,366 sqft)
Owner	2 Individuals on Record
Last Sale	$200,000 (Jun 2025)
Tax Bill	$3,030 (2025)
Deeds & Mortgages	Jun 2025 Second Mortgage Jun 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-35-111-019`

Property Details

APN / Parcel Number

Primary APN	`8913-35-111-019`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,456 sqft Living Area
1st Floor Area	728 sqft
Basement Area	728 sqft
Finished Basement	350 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	7,366 sqft (0.169 acres)
Lot Dimensions	127 ft deep x 58 ft wide
Garage Type	Mixed
Garage Area	960 sqft
Parking Spaces	4 Parking Spaces
Patio Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	209 BYRON AVE
City	WATERLOO
State	IA
Zip	50702-3703
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WESTLAWN ADDITION LOT 6 BLK 3
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	WESTLAWN ADDITION
Legal Block	3
Legal Lot Number	6
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1023
Census Tract	1100

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 Individuals on Record
Mailing Address	209 BYRON AVE, WATERLOO, IA 50702-3703
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VERIDIAN CU
Jun 17, 2025	Deed, Transfer · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 2025 · Amount on Record
Deed Sale	Jun 17, 2025 · Amount on Record
Prior Sale	Dec 28, 2005 · Amount on Record
Deed Document Number	20258674
Prior Transfer Date	Jan 3, 2005
Prior Transfer Doc	0000016229
Record Updated	Sep 20, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	209 BYRON AVE, WATERLOO, IA 50702-3703
Transaction Type	Mortgage
Record Updated	Oct 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202500008676
Date	Jun 17, 2025
Instrument	2025-00008676

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	1827 ANSBOROUGH AVE, WATERLOO, IA 50701

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	85 Months
Due	Jul 1, 2032

June 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 17, 2025
Property Address	209 BYRON AVE, WATERLOO, IA 50702-3703
Document Number	0202508674
Instrument Date	Jun 12, 2025
Instrument	2025-08674
Transaction Type	Transfer
Record Updated	Oct 21, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$319.20
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	209 BYRON AVE, WATERLOO, IA 50702-3703

Mortgage

Document Number	0202508675
Date	Jun 17, 2025
Instrument	2025-08675

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2032
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	8%
Index	1-Year CMT
Max Rate	12%

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	$3,030.00 Homeowner's exemption	$170,020 (+7.4%) Land $18,290 Building $151,730	$170,020 (+7.4%) Land $18,290 Building $151,730
2024	$3,030.00 (+20.91%)
2023		$158,310 (+25.24%) Land $18,290 Building $140,020	$158,310 (+25.24%) Land $18,290 Building $140,020
2022	$2,506.00 Homeowner's exemption	$126,410 Land $18,290 Building $108,120
2021			$126,410 Land $18,290 Building $108,120

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 Claims	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2010 · Severe Storms, Flooding, And Tornadoes

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 541 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
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink, T-Mobile, Verizon.

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