Black Hawk County property record for 2103 Downing Ave, Waterloo, IA 50701
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 912 sqft · built 1962 |
| Lot Size | 0.2 acres (8,704 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $117,000 (Mar 2015) |
| Tax Bill | $3,066 (2025) |
| Deeds & Mortgages | Jun 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 8913-28-151-008 |
| Primary APN | 8913-28-151-008 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 912 sqft Living Area |
| 1st Floor Area | 912 sqft |
| Basement Area | 912 sqft |
| Finished Basement | 500 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 8,704 sqft (0.2 acres) |
| Lot Dimensions | 136 ft deep x 64 ft wide |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 2103 DOWNING AVE |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50701-6037 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DOWNING HEIGHTS ADDITION LOT 6 |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 28 |
| Legal Subdivision | DOWNING HEIGHTS ADDITION |
| Legal Lot Number | 6 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 1502 |
2103 Downing Ave is owned and occupied by two individuals who bought it in March 2015.
Source: Black Hawk County records, as of September 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2103 DOWNING AVE, WATERLOO, IA 50701-6037 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 4, 2015 · Amount on File |
| Deed Sale | Mar 4, 2015 · Amount on File |
| Prior Sale | Oct 27, 2009 · Amount on File |
| Deed Document Number | 201513867 |
| Prior Transfer Date | Oct 26, 2009 |
| Prior Transfer Doc | 2010008523 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 2103 DOWNING AVE, WATERLOO, IA 50701-6037 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 201700022216 |
|---|---|
| Date | Jun 16, 2017 |
| Instrument | 2017-00022216 |
| Name | UNIVERSITY OF IOWA COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | NORTH LIBERTY, IA 52317 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Jun 1, 2022 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 2103 Downing Ave was $3,066 with a homeowner's exemption, up 5.6% from the year before.
Source: Black Hawk County assessment roll, as of October 17, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,066.00 (+5.58%) Homeowner's exemption | $161,100 Land $20,590 Building $140,510 | $161,100 Land $20,590 Building $140,510 |
| 2024 | $2,904.00 | ||
| 2023 | $144,080 (+19.94%) Land $20,590 Building $123,490 | $144,080 Land $20,590 Building $123,490 | |
| 2022 | $2,444.00 Homeowner's exemption | $120,130 Land $20,590 Building $99,540 | |
| 2021 | $120,130 Land $20,590 Building $99,540 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2103 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 |
|
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 risk around 2103 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.
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 |
| 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.
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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